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$37,006
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,157
−HK$1,170/mo
Today · 4.125%
HK$39,327
baseline
▲ 0.50% · 4.625%
HK$41,719
+HK$2,392/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,654/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,169
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,273
−HK$1,120/mo
Today · 4.125%
HK$43,393
baseline
▲ 0.50% · 4.625%
HK$45,680
+HK$2,287/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,786/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,407
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,788
−HK$1,404/mo
Today · 4.125%
HK$47,192
baseline
▲ 0.50% · 4.625%
HK$50,063
+HK$2,871/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,384/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,402
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,727
−HK$1,344/mo
Today · 4.125%
HK$52,071
baseline
▲ 0.50% · 4.625%
HK$54,816
+HK$2,745/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,142/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,808
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,420
−HK$1,637/mo
Today · 4.125%
HK$55,057
baseline
▲ 0.50% · 4.625%
HK$58,407
+HK$3,350/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,114/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,636
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,182
−HK$1,568/mo
Today · 4.125%
HK$60,750
baseline
▲ 0.50% · 4.625%
HK$63,952
+HK$3,202/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,500/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,611
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,683
−HK$2,105/mo
Today · 4.125%
HK$70,788
baseline
▲ 0.50% · 4.625%
HK$75,095
+HK$4,307/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,576/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,104
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,091
−HK$2,016/mo
Today · 4.125%
HK$78,107
baseline
▲ 0.50% · 4.625%
HK$82,224
+HK$4,117/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,214/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,582 · Scale 2, in force from 26 Feb 2026)