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$36,994
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,145
−HK$1,169/mo
Today · 4.125%
HK$39,314
baseline
▲ 0.50% · 4.625%
HK$41,706
+HK$2,392/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,628/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,156
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,260
−HK$1,119/mo
Today · 4.125%
HK$43,379
baseline
▲ 0.50% · 4.625%
HK$45,666
+HK$2,287/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,758/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,393
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,774
−HK$1,403/mo
Today · 4.125%
HK$47,177
baseline
▲ 0.50% · 4.625%
HK$50,048
+HK$2,871/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,354/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,387
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,711
−HK$1,344/mo
Today · 4.125%
HK$52,055
baseline
▲ 0.50% · 4.625%
HK$54,799
+HK$2,744/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,110/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,792
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,403
−HK$1,637/mo
Today · 4.125%
HK$55,040
baseline
▲ 0.50% · 4.625%
HK$58,389
+HK$3,349/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,080/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,618
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,163
−HK$1,568/mo
Today · 4.125%
HK$60,731
baseline
▲ 0.50% · 4.625%
HK$63,932
+HK$3,201/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,462/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,590
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,661
−HK$2,104/mo
Today · 4.125%
HK$70,765
baseline
▲ 0.50% · 4.625%
HK$75,071
+HK$4,306/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,530/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,080
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,067
−HK$2,016/mo
Today · 4.125%
HK$78,083
baseline
▲ 0.50% · 4.625%
HK$82,199
+HK$4,116/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,166/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,391 · Scale 2, in force from 26 Feb 2026)