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$36,955
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,104
−HK$1,168/mo
Today · 4.125%
HK$39,272
baseline
▲ 0.50% · 4.625%
HK$41,662
+HK$2,390/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,544/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,112
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,214
−HK$1,119/mo
Today · 4.125%
HK$43,333
baseline
▲ 0.50% · 4.625%
HK$45,617
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,666/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,346
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,725
−HK$1,401/mo
Today · 4.125%
HK$47,126
baseline
▲ 0.50% · 4.625%
HK$49,994
+HK$2,868/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,252/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,334
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,657
−HK$1,342/mo
Today · 4.125%
HK$51,999
baseline
▲ 0.50% · 4.625%
HK$54,740
+HK$2,741/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,998/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,737
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,346
−HK$1,635/mo
Today · 4.125%
HK$54,981
baseline
▲ 0.50% · 4.625%
HK$58,326
+HK$3,345/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,962/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,556
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,100
−HK$1,566/mo
Today · 4.125%
HK$60,666
baseline
▲ 0.50% · 4.625%
HK$63,864
+HK$3,198/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,332/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,518
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,587
−HK$2,103/mo
Today · 4.125%
HK$70,690
baseline
▲ 0.50% · 4.625%
HK$74,991
+HK$4,301/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,380/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,001
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,986
−HK$2,013/mo
Today · 4.125%
HK$77,999
baseline
▲ 0.50% · 4.625%
HK$82,111
+HK$4,112/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$155,998/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,739 · Scale 2, in force from 26 Feb 2026)