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$36,927
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,076
−HK$1,167/mo
Today · 4.125%
HK$39,243
baseline
▲ 0.50% · 4.625%
HK$41,631
+HK$2,388/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,486/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,081
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,183
−HK$1,118/mo
Today · 4.125%
HK$43,301
baseline
▲ 0.50% · 4.625%
HK$45,583
+HK$2,282/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,602/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,313
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,691
−HK$1,401/mo
Today · 4.125%
HK$47,092
baseline
▲ 0.50% · 4.625%
HK$49,957
+HK$2,865/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,184/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,298
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,620
−HK$1,341/mo
Today · 4.125%
HK$51,961
baseline
▲ 0.50% · 4.625%
HK$54,700
+HK$2,739/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,922/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,698
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,307
−HK$1,633/mo
Today · 4.125%
HK$54,940
baseline
▲ 0.50% · 4.625%
HK$58,283
+HK$3,343/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,880/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,514
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,057
−HK$1,564/mo
Today · 4.125%
HK$60,621
baseline
▲ 0.50% · 4.625%
HK$63,817
+HK$3,196/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,242/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,469
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,537
−HK$2,101/mo
Today · 4.125%
HK$70,638
baseline
▲ 0.50% · 4.625%
HK$74,936
+HK$4,298/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,276/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,947
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,930
−HK$2,012/mo
Today · 4.125%
HK$77,942
baseline
▲ 0.50% · 4.625%
HK$82,050
+HK$4,108/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,884/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,292 · Scale 2, in force from 26 Feb 2026)