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$36,969
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,119
−HK$1,168/mo
Today · 4.125%
HK$39,287
baseline
▲ 0.50% · 4.625%
HK$41,678
+HK$2,391/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,574/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,127
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,230
−HK$1,119/mo
Today · 4.125%
HK$43,349
baseline
▲ 0.50% · 4.625%
HK$45,634
+HK$2,285/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,698/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,363
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,743
−HK$1,402/mo
Today · 4.125%
HK$47,145
baseline
▲ 0.50% · 4.625%
HK$50,013
+HK$2,868/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,290/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,353
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,677
−HK$1,342/mo
Today · 4.125%
HK$52,019
baseline
▲ 0.50% · 4.625%
HK$54,761
+HK$2,742/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,038/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,756
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,366
−HK$1,636/mo
Today · 4.125%
HK$55,002
baseline
▲ 0.50% · 4.625%
HK$58,349
+HK$3,347/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$110,004/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,578
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,123
−HK$1,566/mo
Today · 4.125%
HK$60,689
baseline
▲ 0.50% · 4.625%
HK$63,888
+HK$3,199/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,378/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,544
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,614
−HK$2,103/mo
Today · 4.125%
HK$70,717
baseline
▲ 0.50% · 4.625%
HK$75,020
+HK$4,303/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,434/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,029
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,015
−HK$2,014/mo
Today · 4.125%
HK$78,029
baseline
▲ 0.50% · 4.625%
HK$82,142
+HK$4,113/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,058/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,972 · Scale 2, in force from 26 Feb 2026)