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$37,020
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,172
−HK$1,169/mo
Today · 4.125%
HK$39,341
baseline
▲ 0.50% · 4.625%
HK$41,735
+HK$2,394/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,682/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,184
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,289
−HK$1,120/mo
Today · 4.125%
HK$43,409
baseline
▲ 0.50% · 4.625%
HK$45,698
+HK$2,289/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,818/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,424
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,806
−HK$1,404/mo
Today · 4.125%
HK$47,210
baseline
▲ 0.50% · 4.625%
HK$50,082
+HK$2,872/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,420/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,421
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,747
−HK$1,344/mo
Today · 4.125%
HK$52,091
baseline
▲ 0.50% · 4.625%
HK$54,837
+HK$2,746/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,182/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,828
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,440
−HK$1,638/mo
Today · 4.125%
HK$55,078
baseline
▲ 0.50% · 4.625%
HK$58,429
+HK$3,351/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,156/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,658
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,204
−HK$1,569/mo
Today · 4.125%
HK$60,773
baseline
▲ 0.50% · 4.625%
HK$63,977
+HK$3,204/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,546/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,636
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,709
−HK$2,106/mo
Today · 4.125%
HK$70,815
baseline
▲ 0.50% · 4.625%
HK$75,124
+HK$4,309/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,630/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,132
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,120
−HK$2,017/mo
Today · 4.125%
HK$78,137
baseline
▲ 0.50% · 4.625%
HK$82,256
+HK$4,119/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,274/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,814 · Scale 2, in force from 26 Feb 2026)