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$37,004
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,155
−HK$1,170/mo
Today · 4.125%
HK$39,325
baseline
▲ 0.50% · 4.625%
HK$41,718
+HK$2,393/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,650/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,167
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,271
−HK$1,120/mo
Today · 4.125%
HK$43,391
baseline
▲ 0.50% · 4.625%
HK$45,678
+HK$2,287/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,782/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,405
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,786
−HK$1,404/mo
Today · 4.125%
HK$47,190
baseline
▲ 0.50% · 4.625%
HK$50,061
+HK$2,871/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,380/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,400
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,725
−HK$1,344/mo
Today · 4.125%
HK$52,069
baseline
▲ 0.50% · 4.625%
HK$54,814
+HK$2,745/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,138/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,806
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,417
−HK$1,638/mo
Today · 4.125%
HK$55,055
baseline
▲ 0.50% · 4.625%
HK$58,405
+HK$3,350/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,110/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,634
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,179
−HK$1,568/mo
Today · 4.125%
HK$60,747
baseline
▲ 0.50% · 4.625%
HK$63,949
+HK$3,202/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,494/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,608
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,679
−HK$2,106/mo
Today · 4.125%
HK$70,785
baseline
▲ 0.50% · 4.625%
HK$75,092
+HK$4,307/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,570/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,100
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,088
−HK$2,016/mo
Today · 4.125%
HK$78,104
baseline
▲ 0.50% · 4.625%
HK$82,221
+HK$4,117/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,208/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,554 · Scale 2, in force from 26 Feb 2026)