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$36,945
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,094
−HK$1,168/mo
Today · 4.125%
HK$39,262
baseline
▲ 0.50% · 4.625%
HK$41,651
+HK$2,389/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,524/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,101
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,203
−HK$1,119/mo
Today · 4.125%
HK$43,322
baseline
▲ 0.50% · 4.625%
HK$45,605
+HK$2,283/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,644/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,334
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,713
−HK$1,401/mo
Today · 4.125%
HK$47,114
baseline
▲ 0.50% · 4.625%
HK$49,981
+HK$2,867/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,228/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,321
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,644
−HK$1,342/mo
Today · 4.125%
HK$51,986
baseline
▲ 0.50% · 4.625%
HK$54,726
+HK$2,740/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,972/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,723
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,332
−HK$1,635/mo
Today · 4.125%
HK$54,967
baseline
▲ 0.50% · 4.625%
HK$58,311
+HK$3,344/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,934/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,542
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,085
−HK$1,565/mo
Today · 4.125%
HK$60,650
baseline
▲ 0.50% · 4.625%
HK$63,847
+HK$3,197/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,300/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,501
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,570
−HK$2,102/mo
Today · 4.125%
HK$70,672
baseline
▲ 0.50% · 4.625%
HK$74,972
+HK$4,300/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,344/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,982
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,966
−HK$2,013/mo
Today · 4.125%
HK$77,979
baseline
▲ 0.50% · 4.625%
HK$82,089
+HK$4,110/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,958/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,583 · Scale 2, in force from 26 Feb 2026)