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$36,960
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,109
−HK$1,168/mo
Today · 4.125%
HK$39,277
baseline
▲ 0.50% · 4.625%
HK$41,667
+HK$2,390/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,554/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,117
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,220
−HK$1,119/mo
Today · 4.125%
HK$43,339
baseline
▲ 0.50% · 4.625%
HK$45,623
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,678/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,352
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,731
−HK$1,402/mo
Today · 4.125%
HK$47,133
baseline
▲ 0.50% · 4.625%
HK$50,001
+HK$2,868/mo
Deposit HK$6.48M · loan HK$9.73M · min. income ≈ HK$94,266/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,341
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,664
−HK$1,342/mo
Today · 4.125%
HK$52,006
baseline
▲ 0.50% · 4.625%
HK$54,748
+HK$2,742/mo
Deposit HK$6.48M · loan HK$9.73M · min. income ≈ HK$104,012/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,744
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,353
−HK$1,635/mo
Today · 4.125%
HK$54,988
baseline
▲ 0.50% · 4.625%
HK$58,334
+HK$3,346/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$109,976/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,564
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,108
−HK$1,566/mo
Today · 4.125%
HK$60,674
baseline
▲ 0.50% · 4.625%
HK$63,872
+HK$3,198/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,348/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,527
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,597
−HK$2,102/mo
Today · 4.125%
HK$70,699
baseline
▲ 0.50% · 4.625%
HK$75,001
+HK$4,302/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,398/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,011
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$75,996
−HK$2,014/mo
Today · 4.125%
HK$78,010
baseline
▲ 0.50% · 4.625%
HK$82,122
+HK$4,112/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,020/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,822 · Scale 2, in force from 26 Feb 2026)