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$36,962
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,112
−HK$1,168/mo
Today · 4.125%
HK$39,280
baseline
▲ 0.50% · 4.625%
HK$41,670
+HK$2,390/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,560/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,120
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,223
−HK$1,119/mo
Today · 4.125%
HK$43,342
baseline
▲ 0.50% · 4.625%
HK$45,626
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,684/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,355
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,735
−HK$1,401/mo
Today · 4.125%
HK$47,136
baseline
▲ 0.50% · 4.625%
HK$50,004
+HK$2,868/mo
Deposit HK$6.48M · loan HK$9.73M · min. income ≈ HK$94,272/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,344
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,668
−HK$1,342/mo
Today · 4.125%
HK$52,010
baseline
▲ 0.50% · 4.625%
HK$54,752
+HK$2,742/mo
Deposit HK$6.48M · loan HK$9.73M · min. income ≈ HK$104,020/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,747
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,357
−HK$1,635/mo
Today · 4.125%
HK$54,992
baseline
▲ 0.50% · 4.625%
HK$58,339
+HK$3,347/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$109,984/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,568
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,112
−HK$1,567/mo
Today · 4.125%
HK$60,679
baseline
▲ 0.50% · 4.625%
HK$63,877
+HK$3,198/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,358/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,532
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,602
−HK$2,102/mo
Today · 4.125%
HK$70,704
baseline
▲ 0.50% · 4.625%
HK$75,007
+HK$4,303/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,408/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,017
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$76,002
−HK$2,013/mo
Today · 4.125%
HK$78,015
baseline
▲ 0.50% · 4.625%
HK$82,128
+HK$4,113/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,030/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,866 · Scale 2, in force from 26 Feb 2026)