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$36,981
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,131
−HK$1,169/mo
Today · 4.125%
HK$39,300
baseline
▲ 0.50% · 4.625%
HK$41,691
+HK$2,391/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,600/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,141
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,244
−HK$1,119/mo
Today · 4.125%
HK$43,363
baseline
▲ 0.50% · 4.625%
HK$45,649
+HK$2,286/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,726/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,377
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,757
−HK$1,403/mo
Today · 4.125%
HK$47,160
baseline
▲ 0.50% · 4.625%
HK$50,029
+HK$2,869/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,320/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,369
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,693
−HK$1,343/mo
Today · 4.125%
HK$52,036
baseline
▲ 0.50% · 4.625%
HK$54,779
+HK$2,743/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,072/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,773
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,383
−HK$1,637/mo
Today · 4.125%
HK$55,020
baseline
▲ 0.50% · 4.625%
HK$58,367
+HK$3,347/mo
Deposit HK$4.87M · loan HK$11.35M · min. income ≈ HK$110,040/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,597
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,142
−HK$1,567/mo
Today · 4.125%
HK$60,709
baseline
▲ 0.50% · 4.625%
HK$63,909
+HK$3,200/mo
Deposit HK$4.87M · loan HK$11.35M · min. income ≈ HK$121,418/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,565
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,636
−HK$2,103/mo
Today · 4.125%
HK$70,739
baseline
▲ 0.50% · 4.625%
HK$75,044
+HK$4,305/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,478/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,053
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,039
−HK$2,015/mo
Today · 4.125%
HK$78,054
baseline
▲ 0.50% · 4.625%
HK$82,168
+HK$4,114/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,108/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,167 · Scale 2, in force from 26 Feb 2026)