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$37,013
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,164
−HK$1,170/mo
Today · 4.125%
HK$39,334
baseline
▲ 0.50% · 4.625%
HK$41,727
+HK$2,393/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,668/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,176
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,281
−HK$1,120/mo
Today · 4.125%
HK$43,401
baseline
▲ 0.50% · 4.625%
HK$45,689
+HK$2,288/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,802/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,415
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,797
−HK$1,404/mo
Today · 4.125%
HK$47,201
baseline
▲ 0.50% · 4.625%
HK$50,073
+HK$2,872/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,402/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,412
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,737
−HK$1,344/mo
Today · 4.125%
HK$52,081
baseline
▲ 0.50% · 4.625%
HK$54,827
+HK$2,746/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,162/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,818
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,430
−HK$1,637/mo
Today · 4.125%
HK$55,067
baseline
▲ 0.50% · 4.625%
HK$58,418
+HK$3,351/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,134/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,647
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,193
−HK$1,568/mo
Today · 4.125%
HK$60,761
baseline
▲ 0.50% · 4.625%
HK$63,964
+HK$3,203/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,522/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,623
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,695
−HK$2,106/mo
Today · 4.125%
HK$70,801
baseline
▲ 0.50% · 4.625%
HK$75,109
+HK$4,308/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,602/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,118
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,105
−HK$2,017/mo
Today · 4.125%
HK$78,122
baseline
▲ 0.50% · 4.625%
HK$82,240
+HK$4,118/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,244/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,696 · Scale 2, in force from 26 Feb 2026)