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$36,952
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,102
−HK$1,167/mo
Today · 4.125%
HK$39,269
baseline
▲ 0.50% · 4.625%
HK$41,659
+HK$2,390/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,538/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,109
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,211
−HK$1,119/mo
Today · 4.125%
HK$43,330
baseline
▲ 0.50% · 4.625%
HK$45,614
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,660/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,343
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,722
−HK$1,401/mo
Today · 4.125%
HK$47,123
baseline
▲ 0.50% · 4.625%
HK$49,991
+HK$2,868/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,246/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,331
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,654
−HK$1,342/mo
Today · 4.125%
HK$51,996
baseline
▲ 0.50% · 4.625%
HK$54,737
+HK$2,741/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,992/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,733
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,342
−HK$1,635/mo
Today · 4.125%
HK$54,977
baseline
▲ 0.50% · 4.625%
HK$58,322
+HK$3,345/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,954/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,552
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,096
−HK$1,566/mo
Today · 4.125%
HK$60,662
baseline
▲ 0.50% · 4.625%
HK$63,859
+HK$3,197/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,324/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,514
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,583
−HK$2,102/mo
Today · 4.125%
HK$70,685
baseline
▲ 0.50% · 4.625%
HK$74,986
+HK$4,301/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,370/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,996
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,980
−HK$2,014/mo
Today · 4.125%
HK$77,994
baseline
▲ 0.50% · 4.625%
HK$82,105
+HK$4,111/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,988/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,697 · Scale 2, in force from 26 Feb 2026)