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$36,959
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,108
−HK$1,168/mo
Today · 4.125%
HK$39,276
baseline
▲ 0.50% · 4.625%
HK$41,666
+HK$2,390/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,552/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,116
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,219
−HK$1,119/mo
Today · 4.125%
HK$43,338
baseline
▲ 0.50% · 4.625%
HK$45,622
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,676/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,350
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,730
−HK$1,402/mo
Today · 4.125%
HK$47,132
baseline
▲ 0.50% · 4.625%
HK$49,999
+HK$2,867/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,264/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,339
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,663
−HK$1,342/mo
Today · 4.125%
HK$52,005
baseline
▲ 0.50% · 4.625%
HK$54,746
+HK$2,741/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$104,010/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,742
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,352
−HK$1,635/mo
Today · 4.125%
HK$54,987
baseline
▲ 0.50% · 4.625%
HK$58,333
+HK$3,346/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$109,974/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,563
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,106
−HK$1,567/mo
Today · 4.125%
HK$60,673
baseline
▲ 0.50% · 4.625%
HK$63,871
+HK$3,198/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,346/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,526
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,595
−HK$2,102/mo
Today · 4.125%
HK$70,697
baseline
▲ 0.50% · 4.625%
HK$74,999
+HK$4,302/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,394/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,009
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$75,994
−HK$2,014/mo
Today · 4.125%
HK$78,008
baseline
▲ 0.50% · 4.625%
HK$82,119
+HK$4,111/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,016/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,805 · Scale 2, in force from 26 Feb 2026)