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$36,956
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,106
−HK$1,168/mo
Today · 4.125%
HK$39,274
baseline
▲ 0.50% · 4.625%
HK$41,663
+HK$2,389/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,548/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,113
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,216
−HK$1,119/mo
Today · 4.125%
HK$43,335
baseline
▲ 0.50% · 4.625%
HK$45,619
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,670/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,348
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,727
−HK$1,402/mo
Today · 4.125%
HK$47,129
baseline
▲ 0.50% · 4.625%
HK$49,996
+HK$2,867/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,258/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,336
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,659
−HK$1,343/mo
Today · 4.125%
HK$52,002
baseline
▲ 0.50% · 4.625%
HK$54,743
+HK$2,741/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$104,004/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,739
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,348
−HK$1,635/mo
Today · 4.125%
HK$54,983
baseline
▲ 0.50% · 4.625%
HK$58,329
+HK$3,346/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,966/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,559
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,103
−HK$1,566/mo
Today · 4.125%
HK$60,669
baseline
▲ 0.50% · 4.625%
HK$63,867
+HK$3,198/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,338/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,521
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,591
−HK$2,102/mo
Today · 4.125%
HK$70,693
baseline
▲ 0.50% · 4.625%
HK$74,994
+HK$4,301/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,386/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,004
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$75,989
−HK$2,014/mo
Today · 4.125%
HK$78,003
baseline
▲ 0.50% · 4.625%
HK$82,114
+HK$4,111/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,006/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,766 · Scale 2, in force from 26 Feb 2026)