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$36,781
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,925
−HK$1,163/mo
Today · 4.125%
HK$39,088
baseline
▲ 0.50% · 4.625%
HK$41,466
+HK$2,378/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,176/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,919
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,016
−HK$1,113/mo
Today · 4.125%
HK$43,129
baseline
▲ 0.50% · 4.625%
HK$45,403
+HK$2,274/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,258/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,137
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,510
−HK$1,395/mo
Today · 4.125%
HK$46,905
baseline
▲ 0.50% · 4.625%
HK$49,759
+HK$2,854/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,810/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,102
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,419
−HK$1,336/mo
Today · 4.125%
HK$51,755
baseline
▲ 0.50% · 4.625%
HK$54,483
+HK$2,728/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,510/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,494
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,095
−HK$1,628/mo
Today · 4.125%
HK$54,723
baseline
▲ 0.50% · 4.625%
HK$58,052
+HK$3,329/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,446/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,286
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,823
−HK$1,558/mo
Today · 4.125%
HK$60,381
baseline
▲ 0.50% · 4.625%
HK$63,564
+HK$3,183/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,762/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,206
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,265
−HK$2,093/mo
Today · 4.125%
HK$70,358
baseline
▲ 0.50% · 4.625%
HK$74,639
+HK$4,281/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,716/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,654
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,629
−HK$2,004/mo
Today · 4.125%
HK$77,633
baseline
▲ 0.50% · 4.625%
HK$81,725
+HK$4,092/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,266/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,886 · Scale 2, in force from 26 Feb 2026)