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$36,973
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,123
−HK$1,169/mo
Today · 4.125%
HK$39,292
baseline
▲ 0.50% · 4.625%
HK$41,682
+HK$2,390/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,584/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,132
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,235
−HK$1,119/mo
Today · 4.125%
HK$43,354
baseline
▲ 0.50% · 4.625%
HK$45,640
+HK$2,286/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,708/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,368
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,748
−HK$1,402/mo
Today · 4.125%
HK$47,150
baseline
▲ 0.50% · 4.625%
HK$50,019
+HK$2,869/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,300/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,359
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,682
−HK$1,343/mo
Today · 4.125%
HK$52,025
baseline
▲ 0.50% · 4.625%
HK$54,768
+HK$2,743/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,050/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,762
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,372
−HK$1,636/mo
Today · 4.125%
HK$55,008
baseline
▲ 0.50% · 4.625%
HK$58,355
+HK$3,347/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$110,016/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,585
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,130
−HK$1,566/mo
Today · 4.125%
HK$60,696
baseline
▲ 0.50% · 4.625%
HK$63,896
+HK$3,200/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,392/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,552
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,622
−HK$2,103/mo
Today · 4.125%
HK$70,725
baseline
▲ 0.50% · 4.625%
HK$75,028
+HK$4,303/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,450/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,038
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,024
−HK$2,014/mo
Today · 4.125%
HK$78,038
baseline
▲ 0.50% · 4.625%
HK$82,152
+HK$4,114/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,076/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,043 · Scale 2, in force from 26 Feb 2026)