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$37,001
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,152
−HK$1,169/mo
Today · 4.125%
HK$39,321
baseline
▲ 0.50% · 4.625%
HK$41,713
+HK$2,392/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,642/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,163
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,267
−HK$1,120/mo
Today · 4.125%
HK$43,387
baseline
▲ 0.50% · 4.625%
HK$45,674
+HK$2,287/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,774/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,401
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,782
−HK$1,403/mo
Today · 4.125%
HK$47,185
baseline
▲ 0.50% · 4.625%
HK$50,056
+HK$2,871/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,370/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,395
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,720
−HK$1,344/mo
Today · 4.125%
HK$52,064
baseline
▲ 0.50% · 4.625%
HK$54,808
+HK$2,744/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,128/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,801
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,412
−HK$1,637/mo
Today · 4.125%
HK$55,049
baseline
▲ 0.50% · 4.625%
HK$58,399
+HK$3,350/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,098/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,628
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,174
−HK$1,567/mo
Today · 4.125%
HK$60,741
baseline
▲ 0.50% · 4.625%
HK$63,943
+HK$3,202/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,482/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,601
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,673
−HK$2,105/mo
Today · 4.125%
HK$70,778
baseline
▲ 0.50% · 4.625%
HK$75,084
+HK$4,306/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,556/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,093
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,080
−HK$2,016/mo
Today · 4.125%
HK$78,096
baseline
▲ 0.50% · 4.625%
HK$82,213
+HK$4,117/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,192/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,495 · Scale 2, in force from 26 Feb 2026)