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$36,919
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,068
−HK$1,167/mo
Today · 4.125%
HK$39,235
baseline
▲ 0.50% · 4.625%
HK$41,622
+HK$2,387/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,470/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,072
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,174
−HK$1,118/mo
Today · 4.125%
HK$43,292
baseline
▲ 0.50% · 4.625%
HK$45,573
+HK$2,281/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,584/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,303
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,681
−HK$1,401/mo
Today · 4.125%
HK$47,082
baseline
▲ 0.50% · 4.625%
HK$49,946
+HK$2,864/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$94,164/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,287
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,609
−HK$1,341/mo
Today · 4.125%
HK$51,950
baseline
▲ 0.50% · 4.625%
HK$54,688
+HK$2,738/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$103,900/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,687
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,295
−HK$1,633/mo
Today · 4.125%
HK$54,928
baseline
▲ 0.50% · 4.625%
HK$58,271
+HK$3,343/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,856/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,501
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,044
−HK$1,564/mo
Today · 4.125%
HK$60,608
baseline
▲ 0.50% · 4.625%
HK$63,803
+HK$3,195/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,216/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,455
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,522
−HK$2,100/mo
Today · 4.125%
HK$70,622
baseline
▲ 0.50% · 4.625%
HK$74,919
+HK$4,297/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,244/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,930
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,913
−HK$2,012/mo
Today · 4.125%
HK$77,925
baseline
▲ 0.50% · 4.625%
HK$82,032
+HK$4,107/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,850/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,160 · Scale 2, in force from 26 Feb 2026)