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$37,000
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,151
−HK$1,169/mo
Today · 4.125%
HK$39,320
baseline
▲ 0.50% · 4.625%
HK$41,713
+HK$2,393/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,640/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,162
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,266
−HK$1,120/mo
Today · 4.125%
HK$43,386
baseline
▲ 0.50% · 4.625%
HK$45,673
+HK$2,287/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,772/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,400
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,781
−HK$1,403/mo
Today · 4.125%
HK$47,184
baseline
▲ 0.50% · 4.625%
HK$50,055
+HK$2,871/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,368/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,394
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,719
−HK$1,344/mo
Today · 4.125%
HK$52,063
baseline
▲ 0.50% · 4.625%
HK$54,807
+HK$2,744/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,126/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,800
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,411
−HK$1,637/mo
Today · 4.125%
HK$55,048
baseline
▲ 0.50% · 4.625%
HK$58,398
+HK$3,350/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,096/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,627
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,172
−HK$1,568/mo
Today · 4.125%
HK$60,740
baseline
▲ 0.50% · 4.625%
HK$63,942
+HK$3,202/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,480/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,600
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,671
−HK$2,105/mo
Today · 4.125%
HK$70,776
baseline
▲ 0.50% · 4.625%
HK$75,083
+HK$4,307/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,552/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,091
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,079
−HK$2,015/mo
Today · 4.125%
HK$78,094
baseline
▲ 0.50% · 4.625%
HK$82,211
+HK$4,117/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,188/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,481 · Scale 2, in force from 26 Feb 2026)