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$36,980
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,130
−HK$1,169/mo
Today · 4.125%
HK$39,299
baseline
▲ 0.50% · 4.625%
HK$41,690
+HK$2,391/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,598/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,140
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,243
−HK$1,119/mo
Today · 4.125%
HK$43,362
baseline
▲ 0.50% · 4.625%
HK$45,648
+HK$2,286/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,724/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,376
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,756
−HK$1,402/mo
Today · 4.125%
HK$47,158
baseline
▲ 0.50% · 4.625%
HK$50,028
+HK$2,870/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,316/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,368
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,692
−HK$1,343/mo
Today · 4.125%
HK$52,035
baseline
▲ 0.50% · 4.625%
HK$54,778
+HK$2,743/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,070/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,772
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,382
−HK$1,636/mo
Today · 4.125%
HK$55,018
baseline
▲ 0.50% · 4.625%
HK$58,366
+HK$3,348/mo
Deposit HK$4.87M · loan HK$11.35M · min. income ≈ HK$110,036/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,595
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,140
−HK$1,567/mo
Today · 4.125%
HK$60,707
baseline
▲ 0.50% · 4.625%
HK$63,907
+HK$3,200/mo
Deposit HK$4.87M · loan HK$11.35M · min. income ≈ HK$121,414/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,564
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,634
−HK$2,104/mo
Today · 4.125%
HK$70,738
baseline
▲ 0.50% · 4.625%
HK$75,042
+HK$4,304/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,476/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,051
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,037
−HK$2,015/mo
Today · 4.125%
HK$78,052
baseline
▲ 0.50% · 4.625%
HK$82,166
+HK$4,114/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,104/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,151 · Scale 2, in force from 26 Feb 2026)