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$37,003
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,154
−HK$1,170/mo
Today · 4.125%
HK$39,324
baseline
▲ 0.50% · 4.625%
HK$41,716
+HK$2,392/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,648/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,166
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,270
−HK$1,120/mo
Today · 4.125%
HK$43,390
baseline
▲ 0.50% · 4.625%
HK$45,677
+HK$2,287/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,780/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,404
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,785
−HK$1,403/mo
Today · 4.125%
HK$47,188
baseline
▲ 0.50% · 4.625%
HK$50,060
+HK$2,872/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,376/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,399
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,724
−HK$1,344/mo
Today · 4.125%
HK$52,068
baseline
▲ 0.50% · 4.625%
HK$54,812
+HK$2,744/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,136/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,804
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,416
−HK$1,637/mo
Today · 4.125%
HK$55,053
baseline
▲ 0.50% · 4.625%
HK$58,403
+HK$3,350/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,106/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,632
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,178
−HK$1,568/mo
Today · 4.125%
HK$60,746
baseline
▲ 0.50% · 4.625%
HK$63,948
+HK$3,202/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,492/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,606
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,678
−HK$2,105/mo
Today · 4.125%
HK$70,783
baseline
▲ 0.50% · 4.625%
HK$75,089
+HK$4,306/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,566/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,098
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,086
−HK$2,016/mo
Today · 4.125%
HK$78,102
baseline
▲ 0.50% · 4.625%
HK$82,218
+HK$4,116/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,204/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,537 · Scale 2, in force from 26 Feb 2026)