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$36,976
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,126
−HK$1,169/mo
Today · 4.125%
HK$39,295
baseline
▲ 0.50% · 4.625%
HK$41,686
+HK$2,391/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,590/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,135
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,238
−HK$1,120/mo
Today · 4.125%
HK$43,358
baseline
▲ 0.50% · 4.625%
HK$45,643
+HK$2,285/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,716/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,371
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,751
−HK$1,402/mo
Today · 4.125%
HK$47,153
baseline
▲ 0.50% · 4.625%
HK$50,023
+HK$2,870/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,306/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,362
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,686
−HK$1,343/mo
Today · 4.125%
HK$52,029
baseline
▲ 0.50% · 4.625%
HK$54,772
+HK$2,743/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,058/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,766
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,376
−HK$1,636/mo
Today · 4.125%
HK$55,012
baseline
▲ 0.50% · 4.625%
HK$58,360
+HK$3,348/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$110,024/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,589
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,134
−HK$1,567/mo
Today · 4.125%
HK$60,701
baseline
▲ 0.50% · 4.625%
HK$63,900
+HK$3,199/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,402/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,556
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,627
−HK$2,103/mo
Today · 4.125%
HK$70,730
baseline
▲ 0.50% · 4.625%
HK$75,034
+HK$4,304/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,460/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,043
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,029
−HK$2,015/mo
Today · 4.125%
HK$78,044
baseline
▲ 0.50% · 4.625%
HK$82,158
+HK$4,114/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,088/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,087 · Scale 2, in force from 26 Feb 2026)