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$36,723
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,865
−HK$1,161/mo
Today · 4.125%
HK$39,026
baseline
▲ 0.50% · 4.625%
HK$41,401
+HK$2,375/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,052/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,854
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,950
−HK$1,111/mo
Today · 4.125%
HK$43,061
baseline
▲ 0.50% · 4.625%
HK$45,331
+HK$2,270/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,122/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,068
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,438
−HK$1,393/mo
Today · 4.125%
HK$46,831
baseline
▲ 0.50% · 4.625%
HK$49,681
+HK$2,850/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,662/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,025
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,340
−HK$1,334/mo
Today · 4.125%
HK$51,674
baseline
▲ 0.50% · 4.625%
HK$54,397
+HK$2,723/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,348/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,412
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,012
−HK$1,624/mo
Today · 4.125%
HK$54,636
baseline
▲ 0.50% · 4.625%
HK$57,961
+HK$3,325/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,272/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,196
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,730
−HK$1,556/mo
Today · 4.125%
HK$60,286
baseline
▲ 0.50% · 4.625%
HK$63,464
+HK$3,178/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,572/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,102
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,158
−HK$2,089/mo
Today · 4.125%
HK$70,247
baseline
▲ 0.50% · 4.625%
HK$74,521
+HK$4,274/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,494/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,537
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,510
−HK$2,000/mo
Today · 4.125%
HK$77,510
baseline
▲ 0.50% · 4.625%
HK$81,596
+HK$4,086/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$155,020/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,931 · Scale 2, in force from 26 Feb 2026)