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$36,929
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,078
−HK$1,167/mo
Today · 4.125%
HK$39,245
baseline
▲ 0.50% · 4.625%
HK$41,633
+HK$2,388/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,490/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,083
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,185
−HK$1,118/mo
Today · 4.125%
HK$43,303
baseline
▲ 0.50% · 4.625%
HK$45,585
+HK$2,282/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,606/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,315
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,693
−HK$1,401/mo
Today · 4.125%
HK$47,094
baseline
▲ 0.50% · 4.625%
HK$49,959
+HK$2,865/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,188/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,300
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,622
−HK$1,341/mo
Today · 4.125%
HK$51,963
baseline
▲ 0.50% · 4.625%
HK$54,702
+HK$2,739/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,926/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,701
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,309
−HK$1,634/mo
Today · 4.125%
HK$54,943
baseline
▲ 0.50% · 4.625%
HK$58,286
+HK$3,343/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,886/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,516
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,059
−HK$1,565/mo
Today · 4.125%
HK$60,624
baseline
▲ 0.50% · 4.625%
HK$63,819
+HK$3,195/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,248/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,472
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,540
−HK$2,100/mo
Today · 4.125%
HK$70,640
baseline
▲ 0.50% · 4.625%
HK$74,939
+HK$4,299/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,280/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,950
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,933
−HK$2,012/mo
Today · 4.125%
HK$77,945
baseline
▲ 0.50% · 4.625%
HK$82,053
+HK$4,108/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,890/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,316 · Scale 2, in force from 26 Feb 2026)