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$37,007
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,158
−HK$1,170/mo
Today · 4.125%
HK$39,328
baseline
▲ 0.50% · 4.625%
HK$41,721
+HK$2,393/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,656/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,170
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,274
−HK$1,120/mo
Today · 4.125%
HK$43,394
baseline
▲ 0.50% · 4.625%
HK$45,681
+HK$2,287/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,788/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,408
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,790
−HK$1,403/mo
Today · 4.125%
HK$47,193
baseline
▲ 0.50% · 4.625%
HK$50,065
+HK$2,872/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,386/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,404
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,729
−HK$1,344/mo
Today · 4.125%
HK$52,073
baseline
▲ 0.50% · 4.625%
HK$54,818
+HK$2,745/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,146/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,810
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,421
−HK$1,638/mo
Today · 4.125%
HK$55,059
baseline
▲ 0.50% · 4.625%
HK$58,409
+HK$3,350/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,118/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,638
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,184
−HK$1,568/mo
Today · 4.125%
HK$60,752
baseline
▲ 0.50% · 4.625%
HK$63,954
+HK$3,202/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,504/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,612
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,684
−HK$2,106/mo
Today · 4.125%
HK$70,790
baseline
▲ 0.50% · 4.625%
HK$75,097
+HK$4,307/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,580/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,106
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,093
−HK$2,016/mo
Today · 4.125%
HK$78,109
baseline
▲ 0.50% · 4.625%
HK$82,227
+HK$4,118/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,218/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,598 · Scale 2, in force from 26 Feb 2026)