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$36,993
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,144
−HK$1,169/mo
Today · 4.125%
HK$39,313
baseline
▲ 0.50% · 4.625%
HK$41,705
+HK$2,392/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,626/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,155
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,258
−HK$1,120/mo
Today · 4.125%
HK$43,378
baseline
▲ 0.50% · 4.625%
HK$45,665
+HK$2,287/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,756/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,392
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,773
−HK$1,403/mo
Today · 4.125%
HK$47,176
baseline
▲ 0.50% · 4.625%
HK$50,046
+HK$2,870/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,352/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,386
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,710
−HK$1,344/mo
Today · 4.125%
HK$52,054
baseline
▲ 0.50% · 4.625%
HK$54,798
+HK$2,744/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,108/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,791
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,402
−HK$1,636/mo
Today · 4.125%
HK$55,038
baseline
▲ 0.50% · 4.625%
HK$58,387
+HK$3,349/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,076/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,617
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,162
−HK$1,567/mo
Today · 4.125%
HK$60,729
baseline
▲ 0.50% · 4.625%
HK$63,931
+HK$3,202/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,458/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,588
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,659
−HK$2,105/mo
Today · 4.125%
HK$70,764
baseline
▲ 0.50% · 4.625%
HK$75,069
+HK$4,305/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,528/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,078
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,065
−HK$2,016/mo
Today · 4.125%
HK$78,081
baseline
▲ 0.50% · 4.625%
HK$82,196
+HK$4,115/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,162/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,375 · Scale 2, in force from 26 Feb 2026)