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$37,002
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,153
−HK$1,170/mo
Today · 4.125%
HK$39,323
baseline
▲ 0.50% · 4.625%
HK$41,715
+HK$2,392/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,646/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,165
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,269
−HK$1,120/mo
Today · 4.125%
HK$43,389
baseline
▲ 0.50% · 4.625%
HK$45,676
+HK$2,287/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,778/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,403
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,784
−HK$1,403/mo
Today · 4.125%
HK$47,187
baseline
▲ 0.50% · 4.625%
HK$50,058
+HK$2,871/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,374/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,398
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,722
−HK$1,344/mo
Today · 4.125%
HK$52,066
baseline
▲ 0.50% · 4.625%
HK$54,811
+HK$2,745/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,132/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,803
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,415
−HK$1,637/mo
Today · 4.125%
HK$55,052
baseline
▲ 0.50% · 4.625%
HK$58,401
+HK$3,349/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,104/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,630
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,176
−HK$1,568/mo
Today · 4.125%
HK$60,744
baseline
▲ 0.50% · 4.625%
HK$63,946
+HK$3,202/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,488/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,604
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,676
−HK$2,105/mo
Today · 4.125%
HK$70,781
baseline
▲ 0.50% · 4.625%
HK$75,088
+HK$4,307/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,562/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,096
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,084
−HK$2,016/mo
Today · 4.125%
HK$78,100
baseline
▲ 0.50% · 4.625%
HK$82,216
+HK$4,116/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,200/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,522 · Scale 2, in force from 26 Feb 2026)