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$36,975
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,125
−HK$1,168/mo
Today · 4.125%
HK$39,293
baseline
▲ 0.50% · 4.625%
HK$41,684
+HK$2,391/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,586/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,134
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,237
−HK$1,119/mo
Today · 4.125%
HK$43,356
baseline
▲ 0.50% · 4.625%
HK$45,642
+HK$2,286/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,712/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,370
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,750
−HK$1,402/mo
Today · 4.125%
HK$47,152
baseline
▲ 0.50% · 4.625%
HK$50,021
+HK$2,869/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,304/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,361
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,685
−HK$1,343/mo
Today · 4.125%
HK$52,028
baseline
▲ 0.50% · 4.625%
HK$54,770
+HK$2,742/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,056/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,765
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,375
−HK$1,636/mo
Today · 4.125%
HK$55,011
baseline
▲ 0.50% · 4.625%
HK$58,358
+HK$3,347/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$110,022/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,588
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,132
−HK$1,567/mo
Today · 4.125%
HK$60,699
baseline
▲ 0.50% · 4.625%
HK$63,898
+HK$3,199/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,398/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,554
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,625
−HK$2,103/mo
Today · 4.125%
HK$70,728
baseline
▲ 0.50% · 4.625%
HK$75,032
+HK$4,304/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,456/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,041
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,027
−HK$2,014/mo
Today · 4.125%
HK$78,041
baseline
▲ 0.50% · 4.625%
HK$82,155
+HK$4,114/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,082/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,068 · Scale 2, in force from 26 Feb 2026)