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$36,918
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,066
−HK$1,167/mo
Today · 4.125%
HK$39,233
baseline
▲ 0.50% · 4.625%
HK$41,620
+HK$2,387/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,466/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,070
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,172
−HK$1,117/mo
Today · 4.125%
HK$43,289
baseline
▲ 0.50% · 4.625%
HK$45,571
+HK$2,282/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,578/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,301
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,679
−HK$1,400/mo
Today · 4.125%
HK$47,079
baseline
▲ 0.50% · 4.625%
HK$49,944
+HK$2,865/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$94,158/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,284
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,606
−HK$1,341/mo
Today · 4.125%
HK$51,947
baseline
▲ 0.50% · 4.625%
HK$54,685
+HK$2,738/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$103,894/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,685
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,292
−HK$1,634/mo
Today · 4.125%
HK$54,926
baseline
▲ 0.50% · 4.625%
HK$58,268
+HK$3,342/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,852/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,499
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,041
−HK$1,564/mo
Today · 4.125%
HK$60,605
baseline
▲ 0.50% · 4.625%
HK$63,800
+HK$3,195/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,210/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,452
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,519
−HK$2,100/mo
Today · 4.125%
HK$70,619
baseline
▲ 0.50% · 4.625%
HK$74,916
+HK$4,297/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,238/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,927
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,909
−HK$2,012/mo
Today · 4.125%
HK$77,921
baseline
▲ 0.50% · 4.625%
HK$82,028
+HK$4,107/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,842/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,129 · Scale 2, in force from 26 Feb 2026)