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$37,023
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,174
−HK$1,170/mo
Today · 4.125%
HK$39,344
baseline
▲ 0.50% · 4.625%
HK$41,738
+HK$2,394/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,688/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,187
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,292
−HK$1,121/mo
Today · 4.125%
HK$43,413
baseline
▲ 0.50% · 4.625%
HK$45,701
+HK$2,288/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,826/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,427
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,809
−HK$1,404/mo
Today · 4.125%
HK$47,213
baseline
▲ 0.50% · 4.625%
HK$50,086
+HK$2,873/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,426/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,425
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,750
−HK$1,345/mo
Today · 4.125%
HK$52,095
baseline
▲ 0.50% · 4.625%
HK$54,841
+HK$2,746/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,190/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,832
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,444
−HK$1,638/mo
Today · 4.125%
HK$55,082
baseline
▲ 0.50% · 4.625%
HK$58,434
+HK$3,352/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,164/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,662
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,209
−HK$1,569/mo
Today · 4.125%
HK$60,778
baseline
▲ 0.50% · 4.625%
HK$63,981
+HK$3,203/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,556/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,641
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,714
−HK$2,106/mo
Today · 4.125%
HK$70,820
baseline
▲ 0.50% · 4.625%
HK$75,129
+HK$4,309/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,640/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,137
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,126
−HK$2,017/mo
Today · 4.125%
HK$78,143
baseline
▲ 0.50% · 4.625%
HK$82,262
+HK$4,119/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,286/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,859 · Scale 2, in force from 26 Feb 2026)