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$36,977
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,127
−HK$1,168/mo
Today · 4.125%
HK$39,295
baseline
▲ 0.50% · 4.625%
HK$41,686
+HK$2,391/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,590/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,136
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,239
−HK$1,120/mo
Today · 4.125%
HK$43,359
baseline
▲ 0.50% · 4.625%
HK$45,644
+HK$2,285/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,718/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,372
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,752
−HK$1,403/mo
Today · 4.125%
HK$47,155
baseline
▲ 0.50% · 4.625%
HK$50,024
+HK$2,869/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,310/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,363
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,687
−HK$1,343/mo
Today · 4.125%
HK$52,030
baseline
▲ 0.50% · 4.625%
HK$54,773
+HK$2,743/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,060/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,767
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,378
−HK$1,636/mo
Today · 4.125%
HK$55,014
baseline
▲ 0.50% · 4.625%
HK$58,361
+HK$3,347/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$110,028/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,591
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,135
−HK$1,567/mo
Today · 4.125%
HK$60,702
baseline
▲ 0.50% · 4.625%
HK$63,902
+HK$3,200/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,404/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,558
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,628
−HK$2,104/mo
Today · 4.125%
HK$70,732
baseline
▲ 0.50% · 4.625%
HK$75,036
+HK$4,304/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,464/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,045
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,031
−HK$2,015/mo
Today · 4.125%
HK$78,046
baseline
▲ 0.50% · 4.625%
HK$82,159
+HK$4,113/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,092/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,101 · Scale 2, in force from 26 Feb 2026)