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$36,698
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,839
−HK$1,160/mo
Today · 4.125%
HK$38,999
baseline
▲ 0.50% · 4.625%
HK$41,372
+HK$2,373/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$77,998/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,826
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,921
−HK$1,110/mo
Today · 4.125%
HK$43,031
baseline
▲ 0.50% · 4.625%
HK$45,300
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,062/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,037
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,407
−HK$1,392/mo
Today · 4.125%
HK$46,799
baseline
▲ 0.50% · 4.625%
HK$49,646
+HK$2,847/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,598/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,991
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,305
−HK$1,333/mo
Today · 4.125%
HK$51,638
baseline
▲ 0.50% · 4.625%
HK$54,360
+HK$2,722/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,276/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,377
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,975
−HK$1,624/mo
Today · 4.125%
HK$54,599
baseline
▲ 0.50% · 4.625%
HK$57,921
+HK$3,322/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,198/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,156
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,689
−HK$1,555/mo
Today · 4.125%
HK$60,244
baseline
▲ 0.50% · 4.625%
HK$63,420
+HK$3,176/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,488/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,056
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,111
−HK$2,087/mo
Today · 4.125%
HK$70,198
baseline
▲ 0.50% · 4.625%
HK$74,470
+HK$4,272/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,396/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,486
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,457
−HK$2,000/mo
Today · 4.125%
HK$77,457
baseline
▲ 0.50% · 4.625%
HK$81,540
+HK$4,083/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,914/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,513 · Scale 2, in force from 26 Feb 2026)