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$37,091
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,245
−HK$1,172/mo
Today · 4.125%
HK$39,417
baseline
▲ 0.50% · 4.625%
HK$41,815
+HK$2,398/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,834/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,263
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,370
−HK$1,122/mo
Today · 4.125%
HK$43,492
baseline
▲ 0.50% · 4.625%
HK$45,785
+HK$2,293/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,984/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,509
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,893
−HK$1,407/mo
Today · 4.125%
HK$47,300
baseline
▲ 0.50% · 4.625%
HK$50,178
+HK$2,878/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,600/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$609,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,516
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,844
−HK$1,347/mo
Today · 4.125%
HK$52,191
baseline
▲ 0.50% · 4.625%
HK$54,942
+HK$2,751/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,382/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$609,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,927
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,542
−HK$1,641/mo
Today · 4.125%
HK$55,183
baseline
▲ 0.50% · 4.625%
HK$58,541
+HK$3,358/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,366/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,768
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,318
−HK$1,571/mo
Today · 4.125%
HK$60,889
baseline
▲ 0.50% · 4.625%
HK$64,099
+HK$3,210/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,778/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,763
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,840
−HK$2,110/mo
Today · 4.125%
HK$70,950
baseline
▲ 0.50% · 4.625%
HK$75,267
+HK$4,317/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,900/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,274
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,266
−HK$2,020/mo
Today · 4.125%
HK$78,286
baseline
▲ 0.50% · 4.625%
HK$82,413
+HK$4,127/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,572/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,978 · Scale 2, in force from 26 Feb 2026)