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$36,848
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,994
−HK$1,165/mo
Today · 4.125%
HK$39,159
baseline
▲ 0.50% · 4.625%
HK$41,541
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,318/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$605,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,993
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,092
−HK$1,116/mo
Today · 4.125%
HK$43,208
baseline
▲ 0.50% · 4.625%
HK$45,485
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,416/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$605,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,218
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,593
−HK$1,397/mo
Today · 4.125%
HK$46,990
baseline
▲ 0.50% · 4.625%
HK$49,850
+HK$2,860/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$93,980/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,192
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,511
−HK$1,338/mo
Today · 4.125%
HK$51,849
baseline
▲ 0.50% · 4.625%
HK$54,582
+HK$2,733/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$103,698/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,587
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,192
−HK$1,630/mo
Today · 4.125%
HK$54,822
baseline
▲ 0.50% · 4.625%
HK$58,158
+HK$3,336/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,644/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,390
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,929
−HK$1,562/mo
Today · 4.125%
HK$60,491
baseline
▲ 0.50% · 4.625%
HK$63,679
+HK$3,188/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,982/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,326
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,390
−HK$2,096/mo
Today · 4.125%
HK$70,486
baseline
▲ 0.50% · 4.625%
HK$74,775
+HK$4,289/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,972/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,788
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,766
−HK$2,008/mo
Today · 4.125%
HK$77,774
baseline
▲ 0.50% · 4.625%
HK$81,874
+HK$4,100/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,548/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,985 · Scale 2, in force from 26 Feb 2026)