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$37,008
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,159
−HK$1,170/mo
Today · 4.125%
HK$39,329
baseline
▲ 0.50% · 4.625%
HK$41,722
+HK$2,393/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,658/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,171
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,275
−HK$1,120/mo
Today · 4.125%
HK$43,395
baseline
▲ 0.50% · 4.625%
HK$45,683
+HK$2,288/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,790/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,409
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,791
−HK$1,403/mo
Today · 4.125%
HK$47,194
baseline
▲ 0.50% · 4.625%
HK$50,066
+HK$2,872/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,388/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,405
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,730
−HK$1,344/mo
Today · 4.125%
HK$52,074
baseline
▲ 0.50% · 4.625%
HK$54,819
+HK$2,745/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,148/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,811
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,423
−HK$1,637/mo
Today · 4.125%
HK$55,060
baseline
▲ 0.50% · 4.625%
HK$58,410
+HK$3,350/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,120/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,639
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,185
−HK$1,568/mo
Today · 4.125%
HK$60,753
baseline
▲ 0.50% · 4.625%
HK$63,956
+HK$3,203/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,506/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,614
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,686
−HK$2,106/mo
Today · 4.125%
HK$70,792
baseline
▲ 0.50% · 4.625%
HK$75,099
+HK$4,307/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,584/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,108
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,095
−HK$2,016/mo
Today · 4.125%
HK$78,111
baseline
▲ 0.50% · 4.625%
HK$82,229
+HK$4,118/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,222/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,615 · Scale 2, in force from 26 Feb 2026)