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$37,010
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,161
−HK$1,170/mo
Today · 4.125%
HK$39,331
baseline
▲ 0.50% · 4.625%
HK$41,724
+HK$2,393/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,662/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,173
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,277
−HK$1,121/mo
Today · 4.125%
HK$43,398
baseline
▲ 0.50% · 4.625%
HK$45,685
+HK$2,287/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,796/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,412
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,793
−HK$1,404/mo
Today · 4.125%
HK$47,197
baseline
▲ 0.50% · 4.625%
HK$50,069
+HK$2,872/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,394/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,408
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,733
−HK$1,344/mo
Today · 4.125%
HK$52,077
baseline
▲ 0.50% · 4.625%
HK$54,822
+HK$2,745/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,154/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,814
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,426
−HK$1,637/mo
Today · 4.125%
HK$55,063
baseline
▲ 0.50% · 4.625%
HK$58,414
+HK$3,351/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,126/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,642
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,188
−HK$1,569/mo
Today · 4.125%
HK$60,757
baseline
▲ 0.50% · 4.625%
HK$63,959
+HK$3,202/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,514/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,618
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,690
−HK$2,105/mo
Today · 4.125%
HK$70,795
baseline
▲ 0.50% · 4.625%
HK$75,103
+HK$4,308/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,590/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,112
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,099
−HK$2,017/mo
Today · 4.125%
HK$78,116
baseline
▲ 0.50% · 4.625%
HK$82,233
+HK$4,117/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,232/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,648 · Scale 2, in force from 26 Feb 2026)