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$36,836
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,982
−HK$1,164/mo
Today · 4.125%
HK$39,146
baseline
▲ 0.50% · 4.625%
HK$41,528
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,292/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,979
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,079
−HK$1,114/mo
Today · 4.125%
HK$43,193
baseline
▲ 0.50% · 4.625%
HK$45,470
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,386/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,203
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,578
−HK$1,397/mo
Today · 4.125%
HK$46,975
baseline
▲ 0.50% · 4.625%
HK$49,833
+HK$2,858/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,950/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,175
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,494
−HK$1,338/mo
Today · 4.125%
HK$51,832
baseline
▲ 0.50% · 4.625%
HK$54,564
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,664/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,570
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,174
−HK$1,630/mo
Today · 4.125%
HK$54,804
baseline
▲ 0.50% · 4.625%
HK$58,139
+HK$3,335/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,608/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,371
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,910
−HK$1,561/mo
Today · 4.125%
HK$60,471
baseline
▲ 0.50% · 4.625%
HK$63,658
+HK$3,187/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,942/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,304
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,367
−HK$2,095/mo
Today · 4.125%
HK$70,462
baseline
▲ 0.50% · 4.625%
HK$74,750
+HK$4,288/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,924/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,763
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,741
−HK$2,007/mo
Today · 4.125%
HK$77,748
baseline
▲ 0.50% · 4.625%
HK$81,846
+HK$4,098/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,496/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,785 · Scale 2, in force from 26 Feb 2026)