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$36,936
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,085
−HK$1,167/mo
Today · 4.125%
HK$39,252
baseline
▲ 0.50% · 4.625%
HK$41,641
+HK$2,389/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,504/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,091
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,193
−HK$1,118/mo
Today · 4.125%
HK$43,311
baseline
▲ 0.50% · 4.625%
HK$45,594
+HK$2,283/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,622/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,323
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,702
−HK$1,401/mo
Today · 4.125%
HK$47,103
baseline
▲ 0.50% · 4.625%
HK$49,969
+HK$2,866/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,206/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,309
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,632
−HK$1,341/mo
Today · 4.125%
HK$51,973
baseline
▲ 0.50% · 4.625%
HK$54,713
+HK$2,740/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,946/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,711
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,319
−HK$1,634/mo
Today · 4.125%
HK$54,953
baseline
▲ 0.50% · 4.625%
HK$58,297
+HK$3,344/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,906/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,528
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,070
−HK$1,566/mo
Today · 4.125%
HK$60,636
baseline
▲ 0.50% · 4.625%
HK$63,832
+HK$3,196/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,272/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,485
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,553
−HK$2,101/mo
Today · 4.125%
HK$70,654
baseline
▲ 0.50% · 4.625%
HK$74,953
+HK$4,299/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,308/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,964
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,948
−HK$2,012/mo
Today · 4.125%
HK$77,960
baseline
▲ 0.50% · 4.625%
HK$82,069
+HK$4,109/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,920/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,435 · Scale 2, in force from 26 Feb 2026)