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$36,926
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,075
−HK$1,167/mo
Today · 4.125%
HK$39,242
baseline
▲ 0.50% · 4.625%
HK$41,630
+HK$2,388/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,484/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,080
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,182
−HK$1,118/mo
Today · 4.125%
HK$43,300
baseline
▲ 0.50% · 4.625%
HK$45,582
+HK$2,282/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,600/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,312
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,690
−HK$1,401/mo
Today · 4.125%
HK$47,091
baseline
▲ 0.50% · 4.625%
HK$49,956
+HK$2,865/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,182/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,296
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,619
−HK$1,341/mo
Today · 4.125%
HK$51,960
baseline
▲ 0.50% · 4.625%
HK$54,699
+HK$2,739/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,920/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,697
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,305
−HK$1,634/mo
Today · 4.125%
HK$54,939
baseline
▲ 0.50% · 4.625%
HK$58,282
+HK$3,343/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,878/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,512
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,055
−HK$1,565/mo
Today · 4.125%
HK$60,620
baseline
▲ 0.50% · 4.625%
HK$63,815
+HK$3,195/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,240/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,468
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,535
−HK$2,101/mo
Today · 4.125%
HK$70,636
baseline
▲ 0.50% · 4.625%
HK$74,934
+HK$4,298/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,272/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,945
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,928
−HK$2,012/mo
Today · 4.125%
HK$77,940
baseline
▲ 0.50% · 4.625%
HK$82,048
+HK$4,108/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,880/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,276 · Scale 2, in force from 26 Feb 2026)