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$36,951
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,101
−HK$1,168/mo
Today · 4.125%
HK$39,269
baseline
▲ 0.50% · 4.625%
HK$41,658
+HK$2,389/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,538/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,108
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,211
−HK$1,118/mo
Today · 4.125%
HK$43,329
baseline
▲ 0.50% · 4.625%
HK$45,613
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,658/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,342
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,721
−HK$1,401/mo
Today · 4.125%
HK$47,122
baseline
▲ 0.50% · 4.625%
HK$49,990
+HK$2,868/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,244/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,330
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,653
−HK$1,342/mo
Today · 4.125%
HK$51,995
baseline
▲ 0.50% · 4.625%
HK$54,736
+HK$2,741/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,990/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,732
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,341
−HK$1,635/mo
Today · 4.125%
HK$54,976
baseline
▲ 0.50% · 4.625%
HK$58,321
+HK$3,345/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,952/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,551
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,095
−HK$1,566/mo
Today · 4.125%
HK$60,661
baseline
▲ 0.50% · 4.625%
HK$63,858
+HK$3,197/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,322/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,513
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,582
−HK$2,102/mo
Today · 4.125%
HK$70,684
baseline
▲ 0.50% · 4.625%
HK$74,984
+HK$4,300/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,368/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,995
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,979
−HK$2,013/mo
Today · 4.125%
HK$77,992
baseline
▲ 0.50% · 4.625%
HK$82,103
+HK$4,111/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,984/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,686 · Scale 2, in force from 26 Feb 2026)