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$36,965
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,115
−HK$1,168/mo
Today · 4.125%
HK$39,283
baseline
▲ 0.50% · 4.625%
HK$41,673
+HK$2,390/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,566/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,123
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,226
−HK$1,119/mo
Today · 4.125%
HK$43,345
baseline
▲ 0.50% · 4.625%
HK$45,629
+HK$2,284/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,690/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,358
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,737
−HK$1,402/mo
Today · 4.125%
HK$47,139
baseline
▲ 0.50% · 4.625%
HK$50,008
+HK$2,869/mo
Deposit HK$6.48M · loan HK$9.73M · min. income ≈ HK$94,278/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,347
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,671
−HK$1,343/mo
Today · 4.125%
HK$52,014
baseline
▲ 0.50% · 4.625%
HK$54,755
+HK$2,741/mo
Deposit HK$6.48M · loan HK$9.73M · min. income ≈ HK$104,028/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,751
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,360
−HK$1,636/mo
Today · 4.125%
HK$54,996
baseline
▲ 0.50% · 4.625%
HK$58,342
+HK$3,346/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$109,992/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,572
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,116
−HK$1,566/mo
Today · 4.125%
HK$60,682
baseline
▲ 0.50% · 4.625%
HK$63,881
+HK$3,199/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,364/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,536
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,606
−HK$2,103/mo
Today · 4.125%
HK$70,709
baseline
▲ 0.50% · 4.625%
HK$75,011
+HK$4,302/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,418/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,021
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,006
−HK$2,014/mo
Today · 4.125%
HK$78,020
baseline
▲ 0.50% · 4.625%
HK$82,133
+HK$4,113/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,040/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,904 · Scale 2, in force from 26 Feb 2026)