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$36,950
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,099
−HK$1,168/mo
Today · 4.125%
HK$39,267
baseline
▲ 0.50% · 4.625%
HK$41,656
+HK$2,389/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,534/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,106
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,209
−HK$1,118/mo
Today · 4.125%
HK$43,327
baseline
▲ 0.50% · 4.625%
HK$45,611
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,654/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,340
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,719
−HK$1,401/mo
Today · 4.125%
HK$47,120
baseline
▲ 0.50% · 4.625%
HK$49,987
+HK$2,867/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,240/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,328
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,651
−HK$1,342/mo
Today · 4.125%
HK$51,993
baseline
▲ 0.50% · 4.625%
HK$54,733
+HK$2,740/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,986/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,730
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,339
−HK$1,635/mo
Today · 4.125%
HK$54,974
baseline
▲ 0.50% · 4.625%
HK$58,319
+HK$3,345/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,948/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,549
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,092
−HK$1,566/mo
Today · 4.125%
HK$60,658
baseline
▲ 0.50% · 4.625%
HK$63,855
+HK$3,197/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,316/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,510
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,579
−HK$2,101/mo
Today · 4.125%
HK$70,680
baseline
▲ 0.50% · 4.625%
HK$74,981
+HK$4,301/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,360/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,991
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,976
−HK$2,013/mo
Today · 4.125%
HK$77,989
baseline
▲ 0.50% · 4.625%
HK$82,100
+HK$4,111/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,978/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,660 · Scale 2, in force from 26 Feb 2026)