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$36,942
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,091
−HK$1,167/mo
Today · 4.125%
HK$39,258
baseline
▲ 0.50% · 4.625%
HK$41,647
+HK$2,389/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,516/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,097
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,199
−HK$1,118/mo
Today · 4.125%
HK$43,317
baseline
▲ 0.50% · 4.625%
HK$45,601
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,634/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,330
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,709
−HK$1,401/mo
Today · 4.125%
HK$47,110
baseline
▲ 0.50% · 4.625%
HK$49,976
+HK$2,866/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,220/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,317
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,639
−HK$1,342/mo
Today · 4.125%
HK$51,981
baseline
▲ 0.50% · 4.625%
HK$54,721
+HK$2,740/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,962/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,718
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,327
−HK$1,634/mo
Today · 4.125%
HK$54,961
baseline
▲ 0.50% · 4.625%
HK$58,306
+HK$3,345/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,922/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,536
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,079
−HK$1,565/mo
Today · 4.125%
HK$60,644
baseline
▲ 0.50% · 4.625%
HK$63,841
+HK$3,197/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,288/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,495
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,563
−HK$2,102/mo
Today · 4.125%
HK$70,665
baseline
▲ 0.50% · 4.625%
HK$74,964
+HK$4,299/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,330/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,975
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,959
−HK$2,012/mo
Today · 4.125%
HK$77,971
baseline
▲ 0.50% · 4.625%
HK$82,081
+HK$4,110/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,942/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,524 · Scale 2, in force from 26 Feb 2026)