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$36,934
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,083
−HK$1,167/mo
Today · 4.125%
HK$39,250
baseline
▲ 0.50% · 4.625%
HK$41,638
+HK$2,388/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,500/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,089
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,191
−HK$1,117/mo
Today · 4.125%
HK$43,308
baseline
▲ 0.50% · 4.625%
HK$45,591
+HK$2,283/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,616/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,321
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,699
−HK$1,401/mo
Today · 4.125%
HK$47,100
baseline
▲ 0.50% · 4.625%
HK$49,966
+HK$2,866/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,200/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,306
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,629
−HK$1,341/mo
Today · 4.125%
HK$51,970
baseline
▲ 0.50% · 4.625%
HK$54,710
+HK$2,740/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,940/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,707
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,316
−HK$1,634/mo
Today · 4.125%
HK$54,950
baseline
▲ 0.50% · 4.625%
HK$58,293
+HK$3,343/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,900/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,524
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,067
−HK$1,565/mo
Today · 4.125%
HK$60,632
baseline
▲ 0.50% · 4.625%
HK$63,828
+HK$3,196/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,264/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,481
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,549
−HK$2,101/mo
Today · 4.125%
HK$70,650
baseline
▲ 0.50% · 4.625%
HK$74,949
+HK$4,299/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,300/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,959
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,943
−HK$2,012/mo
Today · 4.125%
HK$77,955
baseline
▲ 0.50% · 4.625%
HK$82,064
+HK$4,109/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,910/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,397 · Scale 2, in force from 26 Feb 2026)