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$36,921
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,069
−HK$1,167/mo
Today · 4.125%
HK$39,236
baseline
▲ 0.50% · 4.625%
HK$41,623
+HK$2,387/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,472/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,074
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,176
−HK$1,117/mo
Today · 4.125%
HK$43,293
baseline
▲ 0.50% · 4.625%
HK$45,575
+HK$2,282/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,586/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,305
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,683
−HK$1,400/mo
Today · 4.125%
HK$47,083
baseline
▲ 0.50% · 4.625%
HK$49,948
+HK$2,865/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$94,166/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,289
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,611
−HK$1,341/mo
Today · 4.125%
HK$51,952
baseline
▲ 0.50% · 4.625%
HK$54,690
+HK$2,738/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$103,904/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,689
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,297
−HK$1,633/mo
Today · 4.125%
HK$54,930
baseline
▲ 0.50% · 4.625%
HK$58,273
+HK$3,343/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,860/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,504
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,046
−HK$1,564/mo
Today · 4.125%
HK$60,610
baseline
▲ 0.50% · 4.625%
HK$63,805
+HK$3,195/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,220/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,457
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,525
−HK$2,100/mo
Today · 4.125%
HK$70,625
baseline
▲ 0.50% · 4.625%
HK$74,922
+HK$4,297/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,250/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,933
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,916
−HK$2,012/mo
Today · 4.125%
HK$77,928
baseline
▲ 0.50% · 4.625%
HK$82,035
+HK$4,107/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,856/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,182 · Scale 2, in force from 26 Feb 2026)