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$36,964
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,114
−HK$1,168/mo
Today · 4.125%
HK$39,282
baseline
▲ 0.50% · 4.625%
HK$41,673
+HK$2,391/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,564/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,122
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,225
−HK$1,119/mo
Today · 4.125%
HK$43,344
baseline
▲ 0.50% · 4.625%
HK$45,629
+HK$2,285/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,688/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,357
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,737
−HK$1,402/mo
Today · 4.125%
HK$47,139
baseline
▲ 0.50% · 4.625%
HK$50,007
+HK$2,868/mo
Deposit HK$6.48M · loan HK$9.73M · min. income ≈ HK$94,278/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,347
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,670
−HK$1,343/mo
Today · 4.125%
HK$52,013
baseline
▲ 0.50% · 4.625%
HK$54,755
+HK$2,742/mo
Deposit HK$6.48M · loan HK$9.73M · min. income ≈ HK$104,026/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,750
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,360
−HK$1,635/mo
Today · 4.125%
HK$54,995
baseline
▲ 0.50% · 4.625%
HK$58,342
+HK$3,347/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$109,990/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,571
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,116
−HK$1,566/mo
Today · 4.125%
HK$60,682
baseline
▲ 0.50% · 4.625%
HK$63,881
+HK$3,199/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,364/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,536
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,605
−HK$2,103/mo
Today · 4.125%
HK$70,708
baseline
▲ 0.50% · 4.625%
HK$75,011
+HK$4,303/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,416/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,020
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,006
−HK$2,014/mo
Today · 4.125%
HK$78,020
baseline
▲ 0.50% · 4.625%
HK$82,132
+HK$4,112/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,040/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,899 · Scale 2, in force from 26 Feb 2026)