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$36,865
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,011
−HK$1,165/mo
Today · 4.125%
HK$39,176
baseline
▲ 0.50% · 4.625%
HK$41,560
+HK$2,384/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,352/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,011
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,111
−HK$1,116/mo
Today · 4.125%
HK$43,227
baseline
▲ 0.50% · 4.625%
HK$45,506
+HK$2,279/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,454/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,237
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,614
−HK$1,398/mo
Today · 4.125%
HK$47,012
baseline
▲ 0.50% · 4.625%
HK$49,872
+HK$2,860/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,024/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,214
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,534
−HK$1,339/mo
Today · 4.125%
HK$51,873
baseline
▲ 0.50% · 4.625%
HK$54,607
+HK$2,734/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,746/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,610
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,216
−HK$1,631/mo
Today · 4.125%
HK$54,847
baseline
▲ 0.50% · 4.625%
HK$58,184
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,694/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,416
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,956
−HK$1,562/mo
Today · 4.125%
HK$60,518
baseline
▲ 0.50% · 4.625%
HK$63,708
+HK$3,190/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,036/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,356
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,420
−HK$2,097/mo
Today · 4.125%
HK$70,517
baseline
▲ 0.50% · 4.625%
HK$74,808
+HK$4,291/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,034/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,821
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,800
−HK$2,009/mo
Today · 4.125%
HK$77,809
baseline
▲ 0.50% · 4.625%
HK$81,910
+HK$4,101/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,618/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,257 · Scale 2, in force from 26 Feb 2026)