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$36,993
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,143
−HK$1,169/mo
Today · 4.125%
HK$39,312
baseline
▲ 0.50% · 4.625%
HK$41,705
+HK$2,393/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,624/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,154
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,258
−HK$1,119/mo
Today · 4.125%
HK$43,377
baseline
▲ 0.50% · 4.625%
HK$45,664
+HK$2,287/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,754/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,391
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,772
−HK$1,403/mo
Today · 4.125%
HK$47,175
baseline
▲ 0.50% · 4.625%
HK$50,045
+HK$2,870/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,350/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,385
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,709
−HK$1,344/mo
Today · 4.125%
HK$52,053
baseline
▲ 0.50% · 4.625%
HK$54,797
+HK$2,744/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,106/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,790
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,401
−HK$1,636/mo
Today · 4.125%
HK$55,037
baseline
▲ 0.50% · 4.625%
HK$58,386
+HK$3,349/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,074/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,616
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,161
−HK$1,567/mo
Today · 4.125%
HK$60,728
baseline
▲ 0.50% · 4.625%
HK$63,929
+HK$3,201/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,456/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,587
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,658
−HK$2,104/mo
Today · 4.125%
HK$70,762
baseline
▲ 0.50% · 4.625%
HK$75,068
+HK$4,306/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,524/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,077
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,064
−HK$2,015/mo
Today · 4.125%
HK$78,079
baseline
▲ 0.50% · 4.625%
HK$82,195
+HK$4,116/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,158/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,364 · Scale 2, in force from 26 Feb 2026)