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$36,958
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,107
−HK$1,168/mo
Today · 4.125%
HK$39,275
baseline
▲ 0.50% · 4.625%
HK$41,665
+HK$2,390/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,550/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,115
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,218
−HK$1,119/mo
Today · 4.125%
HK$43,337
baseline
▲ 0.50% · 4.625%
HK$45,621
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,674/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,349
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,729
−HK$1,401/mo
Today · 4.125%
HK$47,130
baseline
▲ 0.50% · 4.625%
HK$49,998
+HK$2,868/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,260/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,338
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,661
−HK$1,343/mo
Today · 4.125%
HK$52,004
baseline
▲ 0.50% · 4.625%
HK$54,745
+HK$2,741/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$104,008/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,741
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,350
−HK$1,636/mo
Today · 4.125%
HK$54,986
baseline
▲ 0.50% · 4.625%
HK$58,331
+HK$3,345/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$109,972/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,561
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,105
−HK$1,566/mo
Today · 4.125%
HK$60,671
baseline
▲ 0.50% · 4.625%
HK$63,869
+HK$3,198/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,342/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,524
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,593
−HK$2,103/mo
Today · 4.125%
HK$70,696
baseline
▲ 0.50% · 4.625%
HK$74,997
+HK$4,301/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,392/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,007
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$75,992
−HK$2,014/mo
Today · 4.125%
HK$78,006
baseline
▲ 0.50% · 4.625%
HK$82,117
+HK$4,111/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,012/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,791 · Scale 2, in force from 26 Feb 2026)