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$36,833
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,979
−HK$1,164/mo
Today · 4.125%
HK$39,143
baseline
▲ 0.50% · 4.625%
HK$41,525
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,286/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,977
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,076
−HK$1,115/mo
Today · 4.125%
HK$43,191
baseline
▲ 0.50% · 4.625%
HK$45,467
+HK$2,276/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,382/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,200
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,575
−HK$1,397/mo
Today · 4.125%
HK$46,972
baseline
▲ 0.50% · 4.625%
HK$49,830
+HK$2,858/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,944/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,172
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,491
−HK$1,338/mo
Today · 4.125%
HK$51,829
baseline
▲ 0.50% · 4.625%
HK$54,561
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,658/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,567
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,171
−HK$1,629/mo
Today · 4.125%
HK$54,800
baseline
▲ 0.50% · 4.625%
HK$58,135
+HK$3,335/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,600/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,367
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,906
−HK$1,561/mo
Today · 4.125%
HK$60,467
baseline
▲ 0.50% · 4.625%
HK$63,654
+HK$3,187/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,934/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,300
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,362
−HK$2,096/mo
Today · 4.125%
HK$70,458
baseline
▲ 0.50% · 4.625%
HK$74,745
+HK$4,287/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,916/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,758
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,736
−HK$2,007/mo
Today · 4.125%
HK$77,743
baseline
▲ 0.50% · 4.625%
HK$81,841
+HK$4,098/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,486/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,743 · Scale 2, in force from 26 Feb 2026)