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$36,957
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,107
−HK$1,168/mo
Today · 4.125%
HK$39,275
baseline
▲ 0.50% · 4.625%
HK$41,665
+HK$2,390/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,550/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,115
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,217
−HK$1,119/mo
Today · 4.125%
HK$43,336
baseline
▲ 0.50% · 4.625%
HK$45,620
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,672/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,349
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,728
−HK$1,402/mo
Today · 4.125%
HK$47,130
baseline
▲ 0.50% · 4.625%
HK$49,998
+HK$2,868/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,260/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,338
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,661
−HK$1,342/mo
Today · 4.125%
HK$52,003
baseline
▲ 0.50% · 4.625%
HK$54,744
+HK$2,741/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$104,006/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,740
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,350
−HK$1,635/mo
Today · 4.125%
HK$54,985
baseline
▲ 0.50% · 4.625%
HK$58,331
+HK$3,346/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$109,970/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,561
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,104
−HK$1,566/mo
Today · 4.125%
HK$60,670
baseline
▲ 0.50% · 4.625%
HK$63,868
+HK$3,198/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,340/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,523
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,593
−HK$2,102/mo
Today · 4.125%
HK$70,695
baseline
▲ 0.50% · 4.625%
HK$74,996
+HK$4,301/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,390/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,006
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$75,991
−HK$2,014/mo
Today · 4.125%
HK$78,005
baseline
▲ 0.50% · 4.625%
HK$82,117
+HK$4,112/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,010/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,784 · Scale 2, in force from 26 Feb 2026)