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$36,995
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,146
−HK$1,169/mo
Today · 4.125%
HK$39,315
baseline
▲ 0.50% · 4.625%
HK$41,707
+HK$2,392/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,630/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,156
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,260
−HK$1,120/mo
Today · 4.125%
HK$43,380
baseline
▲ 0.50% · 4.625%
HK$45,667
+HK$2,287/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,760/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,394
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,775
−HK$1,403/mo
Today · 4.125%
HK$47,178
baseline
▲ 0.50% · 4.625%
HK$50,048
+HK$2,870/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,356/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,388
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,712
−HK$1,344/mo
Today · 4.125%
HK$52,056
baseline
▲ 0.50% · 4.625%
HK$54,800
+HK$2,744/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,112/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,793
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,404
−HK$1,637/mo
Today · 4.125%
HK$55,041
baseline
▲ 0.50% · 4.625%
HK$58,390
+HK$3,349/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,082/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,619
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,164
−HK$1,568/mo
Today · 4.125%
HK$60,732
baseline
▲ 0.50% · 4.625%
HK$63,933
+HK$3,201/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,464/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,591
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,662
−HK$2,105/mo
Today · 4.125%
HK$70,767
baseline
▲ 0.50% · 4.625%
HK$75,073
+HK$4,306/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,534/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,082
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,068
−HK$2,016/mo
Today · 4.125%
HK$78,084
baseline
▲ 0.50% · 4.625%
HK$82,200
+HK$4,116/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,168/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,400 · Scale 2, in force from 26 Feb 2026)