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$36,961
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,111
−HK$1,168/mo
Today · 4.125%
HK$39,279
baseline
▲ 0.50% · 4.625%
HK$41,669
+HK$2,390/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,558/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,119
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,222
−HK$1,119/mo
Today · 4.125%
HK$43,341
baseline
▲ 0.50% · 4.625%
HK$45,625
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,682/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,354
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,733
−HK$1,402/mo
Today · 4.125%
HK$47,135
baseline
▲ 0.50% · 4.625%
HK$50,003
+HK$2,868/mo
Deposit HK$6.48M · loan HK$9.73M · min. income ≈ HK$94,270/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,343
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,666
−HK$1,343/mo
Today · 4.125%
HK$52,009
baseline
▲ 0.50% · 4.625%
HK$54,750
+HK$2,741/mo
Deposit HK$6.48M · loan HK$9.73M · min. income ≈ HK$104,018/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,746
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,355
−HK$1,636/mo
Today · 4.125%
HK$54,991
baseline
▲ 0.50% · 4.625%
HK$58,337
+HK$3,346/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$109,982/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,567
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,111
−HK$1,566/mo
Today · 4.125%
HK$60,677
baseline
▲ 0.50% · 4.625%
HK$63,875
+HK$3,198/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,354/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,530
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,600
−HK$2,102/mo
Today · 4.125%
HK$70,702
baseline
▲ 0.50% · 4.625%
HK$75,005
+HK$4,303/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,404/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,014
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$75,999
−HK$2,014/mo
Today · 4.125%
HK$78,013
baseline
▲ 0.50% · 4.625%
HK$82,125
+HK$4,112/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,026/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,849 · Scale 2, in force from 26 Feb 2026)