The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$37,012
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,164
−HK$1,169/mo
Today · 4.125%
HK$39,333
baseline
▲ 0.50% · 4.625%
HK$41,727
+HK$2,394/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,666/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,176
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,280
−HK$1,120/mo
Today · 4.125%
HK$43,400
baseline
▲ 0.50% · 4.625%
HK$45,688
+HK$2,288/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,800/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,415
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,796
−HK$1,404/mo
Today · 4.125%
HK$47,200
baseline
▲ 0.50% · 4.625%
HK$50,072
+HK$2,872/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,400/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,411
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,736
−HK$1,344/mo
Today · 4.125%
HK$52,080
baseline
▲ 0.50% · 4.625%
HK$54,826
+HK$2,746/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,160/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,817
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,429
−HK$1,638/mo
Today · 4.125%
HK$55,067
baseline
▲ 0.50% · 4.625%
HK$58,417
+HK$3,350/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,134/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,646
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,192
−HK$1,569/mo
Today · 4.125%
HK$60,761
baseline
▲ 0.50% · 4.625%
HK$63,963
+HK$3,202/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,522/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,622
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,694
−HK$2,106/mo
Today · 4.125%
HK$70,800
baseline
▲ 0.50% · 4.625%
HK$75,108
+HK$4,308/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,600/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,116
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,104
−HK$2,017/mo
Today · 4.125%
HK$78,121
baseline
▲ 0.50% · 4.625%
HK$82,239
+HK$4,118/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,242/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,686 · Scale 2, in force from 26 Feb 2026)