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$36,753
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,896
−HK$1,162/mo
Today · 4.125%
HK$39,058
baseline
▲ 0.50% · 4.625%
HK$41,434
+HK$2,376/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,116/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,887
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,984
−HK$1,112/mo
Today · 4.125%
HK$43,096
baseline
▲ 0.50% · 4.625%
HK$45,368
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,192/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,103
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,475
−HK$1,394/mo
Today · 4.125%
HK$46,869
baseline
▲ 0.50% · 4.625%
HK$49,721
+HK$2,852/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,738/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,065
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,380
−HK$1,335/mo
Today · 4.125%
HK$51,715
baseline
▲ 0.50% · 4.625%
HK$54,441
+HK$2,726/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,430/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,454
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,054
−HK$1,627/mo
Today · 4.125%
HK$54,681
baseline
▲ 0.50% · 4.625%
HK$58,008
+HK$3,327/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$109,362/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,242
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,777
−HK$1,558/mo
Today · 4.125%
HK$60,335
baseline
▲ 0.50% · 4.625%
HK$63,515
+HK$3,180/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$120,670/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,155
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,213
−HK$2,091/mo
Today · 4.125%
HK$70,304
baseline
▲ 0.50% · 4.625%
HK$74,581
+HK$4,277/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,608/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,597
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,571
−HK$2,002/mo
Today · 4.125%
HK$77,573
baseline
▲ 0.50% · 4.625%
HK$81,662
+HK$4,089/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,146/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,420 · Scale 2, in force from 26 Feb 2026)