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$37,015
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,167
−HK$1,169/mo
Today · 4.125%
HK$39,336
baseline
▲ 0.50% · 4.625%
HK$41,730
+HK$2,394/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,672/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,179
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,283
−HK$1,121/mo
Today · 4.125%
HK$43,404
baseline
▲ 0.50% · 4.625%
HK$45,692
+HK$2,288/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,808/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,418
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,800
−HK$1,404/mo
Today · 4.125%
HK$47,204
baseline
▲ 0.50% · 4.625%
HK$50,076
+HK$2,872/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,408/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,415
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,740
−HK$1,345/mo
Today · 4.125%
HK$52,085
baseline
▲ 0.50% · 4.625%
HK$54,830
+HK$2,745/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,170/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,821
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,433
−HK$1,638/mo
Today · 4.125%
HK$55,071
baseline
▲ 0.50% · 4.625%
HK$58,422
+HK$3,351/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,142/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,651
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,197
−HK$1,568/mo
Today · 4.125%
HK$60,765
baseline
▲ 0.50% · 4.625%
HK$63,968
+HK$3,203/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,530/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,627
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,700
−HK$2,105/mo
Today · 4.125%
HK$70,805
baseline
▲ 0.50% · 4.625%
HK$75,114
+HK$4,309/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,610/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,122
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,110
−HK$2,017/mo
Today · 4.125%
HK$78,127
baseline
▲ 0.50% · 4.625%
HK$82,245
+HK$4,118/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,254/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,734 · Scale 2, in force from 26 Feb 2026)