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$37,024
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,176
−HK$1,170/mo
Today · 4.125%
HK$39,346
baseline
▲ 0.50% · 4.625%
HK$41,740
+HK$2,394/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,692/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,189
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,294
−HK$1,121/mo
Today · 4.125%
HK$43,415
baseline
▲ 0.50% · 4.625%
HK$45,703
+HK$2,288/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,830/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,429
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,811
−HK$1,404/mo
Today · 4.125%
HK$47,215
baseline
▲ 0.50% · 4.625%
HK$50,088
+HK$2,873/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,430/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,427
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,753
−HK$1,345/mo
Today · 4.125%
HK$52,098
baseline
▲ 0.50% · 4.625%
HK$54,844
+HK$2,746/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,196/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,834
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,446
−HK$1,639/mo
Today · 4.125%
HK$55,085
baseline
▲ 0.50% · 4.625%
HK$58,436
+HK$3,351/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,170/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,665
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,212
−HK$1,568/mo
Today · 4.125%
HK$60,780
baseline
▲ 0.50% · 4.625%
HK$63,984
+HK$3,204/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,560/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,644
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,717
−HK$2,106/mo
Today · 4.125%
HK$70,823
baseline
▲ 0.50% · 4.625%
HK$75,132
+HK$4,309/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,646/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,141
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,129
−HK$2,017/mo
Today · 4.125%
HK$78,146
baseline
▲ 0.50% · 4.625%
HK$82,265
+HK$4,119/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,292/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,886 · Scale 2, in force from 26 Feb 2026)