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$37,018
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,169
−HK$1,170/mo
Today · 4.125%
HK$39,339
baseline
▲ 0.50% · 4.625%
HK$41,733
+HK$2,394/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,678/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,182
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,286
−HK$1,121/mo
Today · 4.125%
HK$43,407
baseline
▲ 0.50% · 4.625%
HK$45,695
+HK$2,288/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,814/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,421
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,803
−HK$1,404/mo
Today · 4.125%
HK$47,207
baseline
▲ 0.50% · 4.625%
HK$50,079
+HK$2,872/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,414/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,418
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,744
−HK$1,344/mo
Today · 4.125%
HK$52,088
baseline
▲ 0.50% · 4.625%
HK$54,834
+HK$2,746/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,176/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,825
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,437
−HK$1,638/mo
Today · 4.125%
HK$55,075
baseline
▲ 0.50% · 4.625%
HK$58,426
+HK$3,351/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,150/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,655
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,201
−HK$1,569/mo
Today · 4.125%
HK$60,770
baseline
▲ 0.50% · 4.625%
HK$63,973
+HK$3,203/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,540/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,632
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,705
−HK$2,105/mo
Today · 4.125%
HK$70,810
baseline
▲ 0.50% · 4.625%
HK$75,119
+HK$4,309/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,620/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,127
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,115
−HK$2,017/mo
Today · 4.125%
HK$78,132
baseline
▲ 0.50% · 4.625%
HK$82,251
+HK$4,119/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,264/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,777 · Scale 2, in force from 26 Feb 2026)