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$36,978
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,128
−HK$1,169/mo
Today · 4.125%
HK$39,297
baseline
▲ 0.50% · 4.625%
HK$41,688
+HK$2,391/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,594/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,138
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,241
−HK$1,119/mo
Today · 4.125%
HK$43,360
baseline
▲ 0.50% · 4.625%
HK$45,646
+HK$2,286/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,720/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,374
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,754
−HK$1,402/mo
Today · 4.125%
HK$47,156
baseline
▲ 0.50% · 4.625%
HK$50,026
+HK$2,870/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,312/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,365
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,689
−HK$1,343/mo
Today · 4.125%
HK$52,032
baseline
▲ 0.50% · 4.625%
HK$54,775
+HK$2,743/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,064/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,769
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,380
−HK$1,636/mo
Today · 4.125%
HK$55,016
baseline
▲ 0.50% · 4.625%
HK$58,363
+HK$3,347/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$110,032/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,593
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,137
−HK$1,567/mo
Today · 4.125%
HK$60,704
baseline
▲ 0.50% · 4.625%
HK$63,904
+HK$3,200/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,408/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,560
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,631
−HK$2,103/mo
Today · 4.125%
HK$70,734
baseline
▲ 0.50% · 4.625%
HK$75,038
+HK$4,304/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,468/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,048
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,034
−HK$2,014/mo
Today · 4.125%
HK$78,048
baseline
▲ 0.50% · 4.625%
HK$82,162
+HK$4,114/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,096/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,123 · Scale 2, in force from 26 Feb 2026)