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$36,982
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,133
−HK$1,168/mo
Today · 4.125%
HK$39,301
baseline
▲ 0.50% · 4.625%
HK$41,693
+HK$2,392/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,602/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,142
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,246
−HK$1,119/mo
Today · 4.125%
HK$43,365
baseline
▲ 0.50% · 4.625%
HK$45,651
+HK$2,286/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,730/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,379
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,759
−HK$1,403/mo
Today · 4.125%
HK$47,162
baseline
▲ 0.50% · 4.625%
HK$50,031
+HK$2,869/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,324/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,371
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,695
−HK$1,343/mo
Today · 4.125%
HK$52,038
baseline
▲ 0.50% · 4.625%
HK$54,781
+HK$2,743/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,076/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,775
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,386
−HK$1,636/mo
Today · 4.125%
HK$55,022
baseline
▲ 0.50% · 4.625%
HK$58,370
+HK$3,348/mo
Deposit HK$4.87M · loan HK$11.35M · min. income ≈ HK$110,044/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,599
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,144
−HK$1,567/mo
Today · 4.125%
HK$60,711
baseline
▲ 0.50% · 4.625%
HK$63,912
+HK$3,201/mo
Deposit HK$4.87M · loan HK$11.35M · min. income ≈ HK$121,422/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,568
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,639
−HK$2,104/mo
Today · 4.125%
HK$70,743
baseline
▲ 0.50% · 4.625%
HK$75,047
+HK$4,304/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,486/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,056
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,043
−HK$2,015/mo
Today · 4.125%
HK$78,058
baseline
▲ 0.50% · 4.625%
HK$82,172
+HK$4,114/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,116/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,194 · Scale 2, in force from 26 Feb 2026)