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$36,987
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,138
−HK$1,169/mo
Today · 4.125%
HK$39,307
baseline
▲ 0.50% · 4.625%
HK$41,698
+HK$2,391/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,614/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,148
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,251
−HK$1,120/mo
Today · 4.125%
HK$43,371
baseline
▲ 0.50% · 4.625%
HK$45,657
+HK$2,286/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,742/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,385
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,765
−HK$1,403/mo
Today · 4.125%
HK$47,168
baseline
▲ 0.50% · 4.625%
HK$50,038
+HK$2,870/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,336/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,377
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,702
−HK$1,343/mo
Today · 4.125%
HK$52,045
baseline
▲ 0.50% · 4.625%
HK$54,788
+HK$2,743/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,090/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,782
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,393
−HK$1,636/mo
Today · 4.125%
HK$55,029
baseline
▲ 0.50% · 4.625%
HK$58,378
+HK$3,349/mo
Deposit HK$4.87M · loan HK$11.35M · min. income ≈ HK$110,058/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,607
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,152
−HK$1,567/mo
Today · 4.125%
HK$60,719
baseline
▲ 0.50% · 4.625%
HK$63,920
+HK$3,201/mo
Deposit HK$4.87M · loan HK$11.35M · min. income ≈ HK$121,438/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,577
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,648
−HK$2,104/mo
Today · 4.125%
HK$70,752
baseline
▲ 0.50% · 4.625%
HK$75,057
+HK$4,305/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,504/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,066
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,052
−HK$2,016/mo
Today · 4.125%
HK$78,068
baseline
▲ 0.50% · 4.625%
HK$82,183
+HK$4,115/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,136/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,273 · Scale 2, in force from 26 Feb 2026)