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$36,949
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,098
−HK$1,168/mo
Today · 4.125%
HK$39,266
baseline
▲ 0.50% · 4.625%
HK$41,655
+HK$2,389/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,532/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,105
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,208
−HK$1,118/mo
Today · 4.125%
HK$43,326
baseline
▲ 0.50% · 4.625%
HK$45,610
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,652/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,339
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,718
−HK$1,401/mo
Today · 4.125%
HK$47,119
baseline
▲ 0.50% · 4.625%
HK$49,986
+HK$2,867/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,238/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,327
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,649
−HK$1,343/mo
Today · 4.125%
HK$51,992
baseline
▲ 0.50% · 4.625%
HK$54,732
+HK$2,740/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,984/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,729
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,338
−HK$1,635/mo
Today · 4.125%
HK$54,973
baseline
▲ 0.50% · 4.625%
HK$58,318
+HK$3,345/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,946/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,548
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,091
−HK$1,566/mo
Today · 4.125%
HK$60,657
baseline
▲ 0.50% · 4.625%
HK$63,854
+HK$3,197/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,314/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,508
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,577
−HK$2,102/mo
Today · 4.125%
HK$70,679
baseline
▲ 0.50% · 4.625%
HK$74,980
+HK$4,301/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,358/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,990
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,974
−HK$2,013/mo
Today · 4.125%
HK$77,987
baseline
▲ 0.50% · 4.625%
HK$82,098
+HK$4,111/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,974/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,647 · Scale 2, in force from 26 Feb 2026)