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$36,919
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,068
−HK$1,166/mo
Today · 4.125%
HK$39,234
baseline
▲ 0.50% · 4.625%
HK$41,622
+HK$2,388/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,468/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,072
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,174
−HK$1,117/mo
Today · 4.125%
HK$43,291
baseline
▲ 0.50% · 4.625%
HK$45,573
+HK$2,282/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,582/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,303
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,681
−HK$1,400/mo
Today · 4.125%
HK$47,081
baseline
▲ 0.50% · 4.625%
HK$49,946
+HK$2,865/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$94,162/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,287
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,608
−HK$1,341/mo
Today · 4.125%
HK$51,949
baseline
▲ 0.50% · 4.625%
HK$54,688
+HK$2,739/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$103,898/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,687
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,295
−HK$1,633/mo
Today · 4.125%
HK$54,928
baseline
▲ 0.50% · 4.625%
HK$58,270
+HK$3,342/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,856/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,501
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,043
−HK$1,565/mo
Today · 4.125%
HK$60,608
baseline
▲ 0.50% · 4.625%
HK$63,802
+HK$3,194/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,216/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,454
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,522
−HK$2,100/mo
Today · 4.125%
HK$70,622
baseline
▲ 0.50% · 4.625%
HK$74,919
+HK$4,297/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,244/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,930
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,913
−HK$2,011/mo
Today · 4.125%
HK$77,924
baseline
▲ 0.50% · 4.625%
HK$82,032
+HK$4,108/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,848/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,155 · Scale 2, in force from 26 Feb 2026)