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$36,930
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,078
−HK$1,167/mo
Today · 4.125%
HK$39,245
baseline
▲ 0.50% · 4.625%
HK$41,633
+HK$2,388/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,490/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,084
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,186
−HK$1,118/mo
Today · 4.125%
HK$43,304
baseline
▲ 0.50% · 4.625%
HK$45,586
+HK$2,282/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,608/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,316
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,694
−HK$1,401/mo
Today · 4.125%
HK$47,095
baseline
▲ 0.50% · 4.625%
HK$49,960
+HK$2,865/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,190/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,301
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,623
−HK$1,341/mo
Today · 4.125%
HK$51,964
baseline
▲ 0.50% · 4.625%
HK$54,703
+HK$2,739/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,928/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,702
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,310
−HK$1,634/mo
Today · 4.125%
HK$54,944
baseline
▲ 0.50% · 4.625%
HK$58,287
+HK$3,343/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,888/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,517
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,060
−HK$1,565/mo
Today · 4.125%
HK$60,625
baseline
▲ 0.50% · 4.625%
HK$63,821
+HK$3,196/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,250/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,473
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,541
−HK$2,101/mo
Today · 4.125%
HK$70,642
baseline
▲ 0.50% · 4.625%
HK$74,940
+HK$4,298/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,284/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,951
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,934
−HK$2,012/mo
Today · 4.125%
HK$77,946
baseline
▲ 0.50% · 4.625%
HK$82,055
+HK$4,109/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,892/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,328 · Scale 2, in force from 26 Feb 2026)