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$36,943
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,092
−HK$1,168/mo
Today · 4.125%
HK$39,260
baseline
▲ 0.50% · 4.625%
HK$41,649
+HK$2,389/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,520/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,099
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,201
−HK$1,118/mo
Today · 4.125%
HK$43,319
baseline
▲ 0.50% · 4.625%
HK$45,603
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,638/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,332
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,711
−HK$1,401/mo
Today · 4.125%
HK$47,112
baseline
▲ 0.50% · 4.625%
HK$49,978
+HK$2,866/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,224/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,319
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,641
−HK$1,342/mo
Today · 4.125%
HK$51,983
baseline
▲ 0.50% · 4.625%
HK$54,723
+HK$2,740/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,966/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,720
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,329
−HK$1,635/mo
Today · 4.125%
HK$54,964
baseline
▲ 0.50% · 4.625%
HK$58,308
+HK$3,344/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,928/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,538
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,082
−HK$1,565/mo
Today · 4.125%
HK$60,647
baseline
▲ 0.50% · 4.625%
HK$63,844
+HK$3,197/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,294/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,498
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,566
−HK$2,102/mo
Today · 4.125%
HK$70,668
baseline
▲ 0.50% · 4.625%
HK$74,968
+HK$4,300/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,336/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,978
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,962
−HK$2,013/mo
Today · 4.125%
HK$77,975
baseline
▲ 0.50% · 4.625%
HK$82,085
+HK$4,110/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,950/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,550 · Scale 2, in force from 26 Feb 2026)