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$37,005
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,156
−HK$1,169/mo
Today · 4.125%
HK$39,325
baseline
▲ 0.50% · 4.625%
HK$41,718
+HK$2,393/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,650/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,168
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,272
−HK$1,120/mo
Today · 4.125%
HK$43,392
baseline
▲ 0.50% · 4.625%
HK$45,679
+HK$2,287/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,784/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,406
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,787
−HK$1,404/mo
Today · 4.125%
HK$47,191
baseline
▲ 0.50% · 4.625%
HK$50,062
+HK$2,871/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,382/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,401
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,726
−HK$1,344/mo
Today · 4.125%
HK$52,070
baseline
▲ 0.50% · 4.625%
HK$54,815
+HK$2,745/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,140/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,807
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,418
−HK$1,638/mo
Today · 4.125%
HK$55,056
baseline
▲ 0.50% · 4.625%
HK$58,406
+HK$3,350/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,112/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,635
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,180
−HK$1,569/mo
Today · 4.125%
HK$60,749
baseline
▲ 0.50% · 4.625%
HK$63,951
+HK$3,202/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,498/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,609
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,681
−HK$2,105/mo
Today · 4.125%
HK$70,786
baseline
▲ 0.50% · 4.625%
HK$75,093
+HK$4,307/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,572/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,102
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,089
−HK$2,016/mo
Today · 4.125%
HK$78,105
baseline
▲ 0.50% · 4.625%
HK$82,222
+HK$4,117/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,210/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,566 · Scale 2, in force from 26 Feb 2026)