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$36,971
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,121
−HK$1,169/mo
Today · 4.125%
HK$39,290
baseline
▲ 0.50% · 4.625%
HK$41,681
+HK$2,391/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,580/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$608,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,130
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,233
−HK$1,119/mo
Today · 4.125%
HK$43,352
baseline
▲ 0.50% · 4.625%
HK$45,638
+HK$2,286/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,704/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$608,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,366
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,746
−HK$1,402/mo
Today · 4.125%
HK$47,148
baseline
▲ 0.50% · 4.625%
HK$50,017
+HK$2,869/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,296/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,356
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,680
−HK$1,343/mo
Today · 4.125%
HK$52,023
baseline
▲ 0.50% · 4.625%
HK$54,765
+HK$2,742/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,046/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,760
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,370
−HK$1,636/mo
Today · 4.125%
HK$55,006
baseline
▲ 0.50% · 4.625%
HK$58,353
+HK$3,347/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$110,012/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,582
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,127
−HK$1,566/mo
Today · 4.125%
HK$60,693
baseline
▲ 0.50% · 4.625%
HK$63,893
+HK$3,200/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,386/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,549
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,619
−HK$2,103/mo
Today · 4.125%
HK$70,722
baseline
▲ 0.50% · 4.625%
HK$75,025
+HK$4,303/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,444/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,035
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,020
−HK$2,014/mo
Today · 4.125%
HK$78,034
baseline
▲ 0.50% · 4.625%
HK$82,148
+HK$4,114/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,068/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,015 · Scale 2, in force from 26 Feb 2026)