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$36,979
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,129
−HK$1,169/mo
Today · 4.125%
HK$39,298
baseline
▲ 0.50% · 4.625%
HK$41,689
+HK$2,391/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,596/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,139
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,242
−HK$1,119/mo
Today · 4.125%
HK$43,361
baseline
▲ 0.50% · 4.625%
HK$45,647
+HK$2,286/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,722/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,375
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,755
−HK$1,402/mo
Today · 4.125%
HK$47,157
baseline
▲ 0.50% · 4.625%
HK$50,027
+HK$2,870/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,314/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,366
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,690
−HK$1,344/mo
Today · 4.125%
HK$52,034
baseline
▲ 0.50% · 4.625%
HK$54,776
+HK$2,742/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,068/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,771
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,381
−HK$1,636/mo
Today · 4.125%
HK$55,017
baseline
▲ 0.50% · 4.625%
HK$58,365
+HK$3,348/mo
Deposit HK$4.87M · loan HK$11.35M · min. income ≈ HK$110,034/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,594
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,139
−HK$1,567/mo
Today · 4.125%
HK$60,706
baseline
▲ 0.50% · 4.625%
HK$63,906
+HK$3,200/mo
Deposit HK$4.87M · loan HK$11.35M · min. income ≈ HK$121,412/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,562
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,633
−HK$2,103/mo
Today · 4.125%
HK$70,736
baseline
▲ 0.50% · 4.625%
HK$75,040
+HK$4,304/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$141,472/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,050
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,036
−HK$2,014/mo
Today · 4.125%
HK$78,050
baseline
▲ 0.50% · 4.625%
HK$82,164
+HK$4,114/mo
Deposit HK$1.62M · loan HK$14.60M · min. income ≈ HK$156,100/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,138 · Scale 2, in force from 26 Feb 2026)