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$36,939
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,088
−HK$1,167/mo
Today · 4.125%
HK$39,255
baseline
▲ 0.50% · 4.625%
HK$41,644
+HK$2,389/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,510/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,094
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,196
−HK$1,118/mo
Today · 4.125%
HK$43,314
baseline
▲ 0.50% · 4.625%
HK$45,597
+HK$2,283/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,628/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,327
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,705
−HK$1,401/mo
Today · 4.125%
HK$47,106
baseline
▲ 0.50% · 4.625%
HK$49,973
+HK$2,867/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,212/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,313
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,635
−HK$1,342/mo
Today · 4.125%
HK$51,977
baseline
▲ 0.50% · 4.625%
HK$54,717
+HK$2,740/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,954/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,714
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,323
−HK$1,634/mo
Today · 4.125%
HK$54,957
baseline
▲ 0.50% · 4.625%
HK$58,301
+HK$3,344/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,914/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,532
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,075
−HK$1,565/mo
Today · 4.125%
HK$60,640
baseline
▲ 0.50% · 4.625%
HK$63,836
+HK$3,196/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,280/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,490
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,558
−HK$2,101/mo
Today · 4.125%
HK$70,659
baseline
▲ 0.50% · 4.625%
HK$74,959
+HK$4,300/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,318/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,969
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,953
−HK$2,013/mo
Today · 4.125%
HK$77,966
baseline
▲ 0.50% · 4.625%
HK$82,075
+HK$4,109/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,932/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,478 · Scale 2, in force from 26 Feb 2026)