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$36,831
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,977
−HK$1,164/mo
Today · 4.125%
HK$39,141
baseline
▲ 0.50% · 4.625%
HK$41,522
+HK$2,381/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,282/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,974
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,073
−HK$1,115/mo
Today · 4.125%
HK$43,188
baseline
▲ 0.50% · 4.625%
HK$45,464
+HK$2,276/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,376/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,197
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,572
−HK$1,397/mo
Today · 4.125%
HK$46,969
baseline
▲ 0.50% · 4.625%
HK$49,827
+HK$2,858/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,938/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,169
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,488
−HK$1,337/mo
Today · 4.125%
HK$51,825
baseline
▲ 0.50% · 4.625%
HK$54,557
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,650/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,563
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,167
−HK$1,630/mo
Today · 4.125%
HK$54,797
baseline
▲ 0.50% · 4.625%
HK$58,131
+HK$3,334/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,594/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,364
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,902
−HK$1,561/mo
Today · 4.125%
HK$60,463
baseline
▲ 0.50% · 4.625%
HK$63,650
+HK$3,187/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,926/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,296
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,358
−HK$2,095/mo
Today · 4.125%
HK$70,453
baseline
▲ 0.50% · 4.625%
HK$74,740
+HK$4,287/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,906/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,753
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,731
−HK$2,007/mo
Today · 4.125%
HK$77,738
baseline
▲ 0.50% · 4.625%
HK$81,836
+HK$4,098/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,476/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,704 · Scale 2, in force from 26 Feb 2026)