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$37,021
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,172
−HK$1,170/mo
Today · 4.125%
HK$39,342
baseline
▲ 0.50% · 4.625%
HK$41,736
+HK$2,394/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,684/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,185
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,290
−HK$1,120/mo
Today · 4.125%
HK$43,410
baseline
▲ 0.50% · 4.625%
HK$45,699
+HK$2,289/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,820/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,425
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,807
−HK$1,404/mo
Today · 4.125%
HK$47,211
baseline
▲ 0.50% · 4.625%
HK$50,083
+HK$2,872/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,422/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,422
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,748
−HK$1,344/mo
Today · 4.125%
HK$52,092
baseline
▲ 0.50% · 4.625%
HK$54,838
+HK$2,746/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,184/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,829
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,441
−HK$1,638/mo
Today · 4.125%
HK$55,079
baseline
▲ 0.50% · 4.625%
HK$58,431
+HK$3,352/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,158/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,659
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,206
−HK$1,568/mo
Today · 4.125%
HK$60,774
baseline
▲ 0.50% · 4.625%
HK$63,978
+HK$3,204/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,548/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,637
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,710
−HK$2,106/mo
Today · 4.125%
HK$70,816
baseline
▲ 0.50% · 4.625%
HK$75,125
+HK$4,309/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,632/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,133
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,122
−HK$2,017/mo
Today · 4.125%
HK$78,139
baseline
▲ 0.50% · 4.625%
HK$82,257
+HK$4,118/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,278/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,826 · Scale 2, in force from 26 Feb 2026)