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$36,990
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,141
−HK$1,169/mo
Today · 4.125%
HK$39,310
baseline
▲ 0.50% · 4.625%
HK$41,702
+HK$2,392/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,620/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,151
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,255
−HK$1,120/mo
Today · 4.125%
HK$43,375
baseline
▲ 0.50% · 4.625%
HK$45,661
+HK$2,286/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,750/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,389
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,769
−HK$1,403/mo
Today · 4.125%
HK$47,172
baseline
▲ 0.50% · 4.625%
HK$50,042
+HK$2,870/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,344/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,382
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,706
−HK$1,344/mo
Today · 4.125%
HK$52,050
baseline
▲ 0.50% · 4.625%
HK$54,793
+HK$2,743/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,100/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,787
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,397
−HK$1,637/mo
Today · 4.125%
HK$55,034
baseline
▲ 0.50% · 4.625%
HK$58,383
+HK$3,349/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,068/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,612
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,157
−HK$1,568/mo
Today · 4.125%
HK$60,725
baseline
▲ 0.50% · 4.625%
HK$63,926
+HK$3,201/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,450/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,583
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,654
−HK$2,104/mo
Today · 4.125%
HK$70,758
baseline
▲ 0.50% · 4.625%
HK$75,064
+HK$4,306/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,516/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,073
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,059
−HK$2,016/mo
Today · 4.125%
HK$78,075
baseline
▲ 0.50% · 4.625%
HK$82,190
+HK$4,115/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,150/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,327 · Scale 2, in force from 26 Feb 2026)