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$36,989
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,139
−HK$1,169/mo
Today · 4.125%
HK$39,308
baseline
▲ 0.50% · 4.625%
HK$41,700
+HK$2,392/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,616/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,150
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,253
−HK$1,120/mo
Today · 4.125%
HK$43,373
baseline
▲ 0.50% · 4.625%
HK$45,659
+HK$2,286/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,746/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,386
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,767
−HK$1,403/mo
Today · 4.125%
HK$47,170
baseline
▲ 0.50% · 4.625%
HK$50,040
+HK$2,870/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,340/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,379
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,704
−HK$1,343/mo
Today · 4.125%
HK$52,047
baseline
▲ 0.50% · 4.625%
HK$54,791
+HK$2,744/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,094/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,784
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,395
−HK$1,637/mo
Today · 4.125%
HK$55,032
baseline
▲ 0.50% · 4.625%
HK$58,380
+HK$3,348/mo
Deposit HK$4.87M · loan HK$11.35M · min. income ≈ HK$110,064/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,609
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,154
−HK$1,568/mo
Today · 4.125%
HK$60,722
baseline
▲ 0.50% · 4.625%
HK$63,923
+HK$3,201/mo
Deposit HK$4.87M · loan HK$11.35M · min. income ≈ HK$121,444/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,580
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,651
−HK$2,104/mo
Today · 4.125%
HK$70,755
baseline
▲ 0.50% · 4.625%
HK$75,060
+HK$4,305/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,510/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,069
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,056
−HK$2,015/mo
Today · 4.125%
HK$78,071
baseline
▲ 0.50% · 4.625%
HK$82,186
+HK$4,115/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,142/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,299 · Scale 2, in force from 26 Feb 2026)