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$36,998
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,149
−HK$1,170/mo
Today · 4.125%
HK$39,319
baseline
▲ 0.50% · 4.625%
HK$41,711
+HK$2,392/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,638/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,160
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,264
−HK$1,120/mo
Today · 4.125%
HK$43,384
baseline
▲ 0.50% · 4.625%
HK$45,671
+HK$2,287/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,768/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,398
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,779
−HK$1,403/mo
Today · 4.125%
HK$47,182
baseline
▲ 0.50% · 4.625%
HK$50,053
+HK$2,871/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,364/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,392
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,717
−HK$1,344/mo
Today · 4.125%
HK$52,061
baseline
▲ 0.50% · 4.625%
HK$54,805
+HK$2,744/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,122/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,798
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,409
−HK$1,637/mo
Today · 4.125%
HK$55,046
baseline
▲ 0.50% · 4.625%
HK$58,395
+HK$3,349/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,092/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,625
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,170
−HK$1,568/mo
Today · 4.125%
HK$60,738
baseline
▲ 0.50% · 4.625%
HK$63,939
+HK$3,201/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,476/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,597
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,669
−HK$2,104/mo
Today · 4.125%
HK$70,773
baseline
▲ 0.50% · 4.625%
HK$75,080
+HK$4,307/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,546/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,089
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,076
−HK$2,016/mo
Today · 4.125%
HK$78,092
baseline
▲ 0.50% · 4.625%
HK$82,208
+HK$4,116/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,184/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,459 · Scale 2, in force from 26 Feb 2026)