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$36,947
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,096
−HK$1,168/mo
Today · 4.125%
HK$39,264
baseline
▲ 0.50% · 4.625%
HK$41,653
+HK$2,389/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,528/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,103
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,206
−HK$1,118/mo
Today · 4.125%
HK$43,324
baseline
▲ 0.50% · 4.625%
HK$45,608
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,648/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,337
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,716
−HK$1,401/mo
Today · 4.125%
HK$47,117
baseline
▲ 0.50% · 4.625%
HK$49,984
+HK$2,867/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,234/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,324
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,647
−HK$1,342/mo
Today · 4.125%
HK$51,989
baseline
▲ 0.50% · 4.625%
HK$54,729
+HK$2,740/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,978/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,726
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,335
−HK$1,635/mo
Today · 4.125%
HK$54,970
baseline
▲ 0.50% · 4.625%
HK$58,314
+HK$3,344/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,940/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,545
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,088
−HK$1,566/mo
Today · 4.125%
HK$60,654
baseline
▲ 0.50% · 4.625%
HK$63,851
+HK$3,197/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,308/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,505
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,574
−HK$2,101/mo
Today · 4.125%
HK$70,675
baseline
▲ 0.50% · 4.625%
HK$74,976
+HK$4,301/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,350/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,986
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,970
−HK$2,013/mo
Today · 4.125%
HK$77,983
baseline
▲ 0.50% · 4.625%
HK$82,094
+HK$4,111/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,966/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,615 · Scale 2, in force from 26 Feb 2026)