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$36,859
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,006
−HK$1,165/mo
Today · 4.125%
HK$39,171
baseline
▲ 0.50% · 4.625%
HK$41,554
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,342/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,005
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,105
−HK$1,116/mo
Today · 4.125%
HK$43,221
baseline
▲ 0.50% · 4.625%
HK$45,499
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,442/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,231
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,607
−HK$1,398/mo
Today · 4.125%
HK$47,005
baseline
▲ 0.50% · 4.625%
HK$49,865
+HK$2,860/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,010/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,207
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,526
−HK$1,339/mo
Today · 4.125%
HK$51,865
baseline
▲ 0.50% · 4.625%
HK$54,599
+HK$2,734/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,730/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,603
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,208
−HK$1,631/mo
Today · 4.125%
HK$54,839
baseline
▲ 0.50% · 4.625%
HK$58,176
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,678/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,408
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,947
−HK$1,562/mo
Today · 4.125%
HK$60,509
baseline
▲ 0.50% · 4.625%
HK$63,699
+HK$3,190/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,018/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,346
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,410
−HK$2,097/mo
Today · 4.125%
HK$70,507
baseline
▲ 0.50% · 4.625%
HK$74,797
+HK$4,290/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,014/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,810
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,789
−HK$2,009/mo
Today · 4.125%
HK$77,798
baseline
▲ 0.50% · 4.625%
HK$81,898
+HK$4,100/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,596/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,168 · Scale 2, in force from 26 Feb 2026)