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$36,761
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,905
−HK$1,162/mo
Today · 4.125%
HK$39,067
baseline
▲ 0.50% · 4.625%
HK$41,444
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,134/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,897
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,993
−HK$1,113/mo
Today · 4.125%
HK$43,106
baseline
▲ 0.50% · 4.625%
HK$45,378
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,212/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,114
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,486
−HK$1,394/mo
Today · 4.125%
HK$46,880
baseline
▲ 0.50% · 4.625%
HK$49,732
+HK$2,852/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,760/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,076
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,392
−HK$1,335/mo
Today · 4.125%
HK$51,727
baseline
▲ 0.50% · 4.625%
HK$54,454
+HK$2,727/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,454/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,466
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,067
−HK$1,626/mo
Today · 4.125%
HK$54,693
baseline
▲ 0.50% · 4.625%
HK$58,021
+HK$3,328/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,386/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,255
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,791
−HK$1,558/mo
Today · 4.125%
HK$60,349
baseline
▲ 0.50% · 4.625%
HK$63,530
+HK$3,181/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,698/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,170
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,229
−HK$2,091/mo
Today · 4.125%
HK$70,320
baseline
▲ 0.50% · 4.625%
HK$74,599
+HK$4,279/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,640/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,614
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,588
−HK$2,003/mo
Today · 4.125%
HK$77,591
baseline
▲ 0.50% · 4.625%
HK$81,681
+HK$4,090/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,182/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,560 · Scale 2, in force from 26 Feb 2026)