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$36,938
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,087
−HK$1,168/mo
Today · 4.125%
HK$39,255
baseline
▲ 0.50% · 4.625%
HK$41,643
+HK$2,388/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,510/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,093
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,195
−HK$1,119/mo
Today · 4.125%
HK$43,314
baseline
▲ 0.50% · 4.625%
HK$45,597
+HK$2,283/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,628/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,326
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,705
−HK$1,400/mo
Today · 4.125%
HK$47,105
baseline
▲ 0.50% · 4.625%
HK$49,972
+HK$2,867/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,210/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,312
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,635
−HK$1,341/mo
Today · 4.125%
HK$51,976
baseline
▲ 0.50% · 4.625%
HK$54,716
+HK$2,740/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,952/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,713
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,322
−HK$1,634/mo
Today · 4.125%
HK$54,956
baseline
▲ 0.50% · 4.625%
HK$58,300
+HK$3,344/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,912/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,531
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,074
−HK$1,565/mo
Today · 4.125%
HK$60,639
baseline
▲ 0.50% · 4.625%
HK$63,835
+HK$3,196/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,278/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,489
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,557
−HK$2,101/mo
Today · 4.125%
HK$70,658
baseline
▲ 0.50% · 4.625%
HK$74,958
+HK$4,300/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,316/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,968
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,952
−HK$2,012/mo
Today · 4.125%
HK$77,964
baseline
▲ 0.50% · 4.625%
HK$82,074
+HK$4,110/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,928/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,468 · Scale 2, in force from 26 Feb 2026)