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$36,922
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,070
−HK$1,167/mo
Today · 4.125%
HK$39,237
baseline
▲ 0.50% · 4.625%
HK$41,625
+HK$2,388/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,474/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,075
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,177
−HK$1,117/mo
Today · 4.125%
HK$43,294
baseline
▲ 0.50% · 4.625%
HK$45,577
+HK$2,283/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,588/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,306
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,684
−HK$1,401/mo
Today · 4.125%
HK$47,085
baseline
▲ 0.50% · 4.625%
HK$49,950
+HK$2,865/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,170/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,290
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,612
−HK$1,341/mo
Today · 4.125%
HK$51,953
baseline
▲ 0.50% · 4.625%
HK$54,692
+HK$2,739/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,906/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,691
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,299
−HK$1,633/mo
Today · 4.125%
HK$54,932
baseline
▲ 0.50% · 4.625%
HK$58,275
+HK$3,343/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,864/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,505
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,048
−HK$1,564/mo
Today · 4.125%
HK$60,612
baseline
▲ 0.50% · 4.625%
HK$63,807
+HK$3,195/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,224/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,459
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,527
−HK$2,100/mo
Today · 4.125%
HK$70,627
baseline
▲ 0.50% · 4.625%
HK$74,925
+HK$4,298/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,254/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,935
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,918
−HK$2,012/mo
Today · 4.125%
HK$77,930
baseline
▲ 0.50% · 4.625%
HK$82,038
+HK$4,108/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,860/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,201 · Scale 2, in force from 26 Feb 2026)