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$36,942
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,091
−HK$1,168/mo
Today · 4.125%
HK$39,259
baseline
▲ 0.50% · 4.625%
HK$41,648
+HK$2,389/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,518/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,098
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,200
−HK$1,118/mo
Today · 4.125%
HK$43,318
baseline
▲ 0.50% · 4.625%
HK$45,602
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,636/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,331
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,710
−HK$1,401/mo
Today · 4.125%
HK$47,111
baseline
▲ 0.50% · 4.625%
HK$49,977
+HK$2,866/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,222/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,317
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,640
−HK$1,342/mo
Today · 4.125%
HK$51,982
baseline
▲ 0.50% · 4.625%
HK$54,722
+HK$2,740/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$103,964/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,719
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,328
−HK$1,634/mo
Today · 4.125%
HK$54,962
baseline
▲ 0.50% · 4.625%
HK$58,307
+HK$3,345/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,924/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,537
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,080
−HK$1,565/mo
Today · 4.125%
HK$60,645
baseline
▲ 0.50% · 4.625%
HK$63,842
+HK$3,197/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,290/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,496
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,564
−HK$2,102/mo
Today · 4.125%
HK$70,666
baseline
▲ 0.50% · 4.625%
HK$74,966
+HK$4,300/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$141,332/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,976
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,960
−HK$2,013/mo
Today · 4.125%
HK$77,973
baseline
▲ 0.50% · 4.625%
HK$82,083
+HK$4,110/mo
Deposit HK$1.62M · loan HK$14.58M · min. income ≈ HK$155,946/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,534 · Scale 2, in force from 26 Feb 2026)