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$37,007
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,158
−HK$1,169/mo
Today · 4.125%
HK$39,327
baseline
▲ 0.50% · 4.625%
HK$41,720
+HK$2,393/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,654/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,170
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,274
−HK$1,120/mo
Today · 4.125%
HK$43,394
baseline
▲ 0.50% · 4.625%
HK$45,681
+HK$2,287/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,788/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,408
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,789
−HK$1,404/mo
Today · 4.125%
HK$47,193
baseline
▲ 0.50% · 4.625%
HK$50,064
+HK$2,871/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,386/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,404
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,729
−HK$1,344/mo
Today · 4.125%
HK$52,073
baseline
▲ 0.50% · 4.625%
HK$54,817
+HK$2,744/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,146/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,809
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,421
−HK$1,637/mo
Today · 4.125%
HK$55,058
baseline
▲ 0.50% · 4.625%
HK$58,408
+HK$3,350/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,116/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,637
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,183
−HK$1,568/mo
Today · 4.125%
HK$60,751
baseline
▲ 0.50% · 4.625%
HK$63,954
+HK$3,203/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,502/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,612
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,684
−HK$2,105/mo
Today · 4.125%
HK$70,789
baseline
▲ 0.50% · 4.625%
HK$75,097
+HK$4,308/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,578/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,105
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,093
−HK$2,016/mo
Today · 4.125%
HK$78,109
baseline
▲ 0.50% · 4.625%
HK$82,226
+HK$4,117/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,218/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,595 · Scale 2, in force from 26 Feb 2026)