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$37,006
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,157
−HK$1,170/mo
Today · 4.125%
HK$39,327
baseline
▲ 0.50% · 4.625%
HK$41,720
+HK$2,393/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,654/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,169
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,273
−HK$1,120/mo
Today · 4.125%
HK$43,393
baseline
▲ 0.50% · 4.625%
HK$45,681
+HK$2,288/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,786/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,407
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,789
−HK$1,403/mo
Today · 4.125%
HK$47,192
baseline
▲ 0.50% · 4.625%
HK$50,064
+HK$2,872/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,384/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,403
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,728
−HK$1,344/mo
Today · 4.125%
HK$52,072
baseline
▲ 0.50% · 4.625%
HK$54,817
+HK$2,745/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,144/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,809
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,420
−HK$1,637/mo
Today · 4.125%
HK$55,057
baseline
▲ 0.50% · 4.625%
HK$58,408
+HK$3,351/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,114/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,637
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,182
−HK$1,569/mo
Today · 4.125%
HK$60,751
baseline
▲ 0.50% · 4.625%
HK$63,953
+HK$3,202/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,502/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,611
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,683
−HK$2,105/mo
Today · 4.125%
HK$70,788
baseline
▲ 0.50% · 4.625%
HK$75,096
+HK$4,308/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,576/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,104
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,092
−HK$2,016/mo
Today · 4.125%
HK$78,108
baseline
▲ 0.50% · 4.625%
HK$82,225
+HK$4,117/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,216/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,586 · Scale 2, in force from 26 Feb 2026)