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$36,924
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,072
−HK$1,167/mo
Today · 4.125%
HK$39,239
baseline
▲ 0.50% · 4.625%
HK$41,627
+HK$2,388/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,478/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,077
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,179
−HK$1,117/mo
Today · 4.125%
HK$43,296
baseline
▲ 0.50% · 4.625%
HK$45,579
+HK$2,283/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,592/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,308
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,686
−HK$1,401/mo
Today · 4.125%
HK$47,087
baseline
▲ 0.50% · 4.625%
HK$49,952
+HK$2,865/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,174/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,292
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,614
−HK$1,342/mo
Today · 4.125%
HK$51,956
baseline
▲ 0.50% · 4.625%
HK$54,694
+HK$2,738/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,912/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,693
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,301
−HK$1,634/mo
Today · 4.125%
HK$54,935
baseline
▲ 0.50% · 4.625%
HK$58,277
+HK$3,342/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,870/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,508
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,050
−HK$1,565/mo
Today · 4.125%
HK$60,615
baseline
▲ 0.50% · 4.625%
HK$63,810
+HK$3,195/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,230/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,462
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,530
−HK$2,100/mo
Today · 4.125%
HK$70,630
baseline
▲ 0.50% · 4.625%
HK$74,928
+HK$4,298/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,260/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,939
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,922
−HK$2,011/mo
Today · 4.125%
HK$77,933
baseline
▲ 0.50% · 4.625%
HK$82,041
+HK$4,108/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,866/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,227 · Scale 2, in force from 26 Feb 2026)