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$36,882
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,029
−HK$1,165/mo
Today · 4.125%
HK$39,194
baseline
▲ 0.50% · 4.625%
HK$41,579
+HK$2,385/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,388/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,030
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,131
−HK$1,116/mo
Today · 4.125%
HK$43,247
baseline
▲ 0.50% · 4.625%
HK$45,527
+HK$2,280/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,494/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,258
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,635
−HK$1,398/mo
Today · 4.125%
HK$47,033
baseline
▲ 0.50% · 4.625%
HK$49,895
+HK$2,862/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,066/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,236
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,557
−HK$1,340/mo
Today · 4.125%
HK$51,897
baseline
▲ 0.50% · 4.625%
HK$54,632
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,794/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,634
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,240
−HK$1,632/mo
Today · 4.125%
HK$54,872
baseline
▲ 0.50% · 4.625%
HK$58,211
+HK$3,339/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,744/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,443
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,983
−HK$1,563/mo
Today · 4.125%
HK$60,546
baseline
▲ 0.50% · 4.625%
HK$63,737
+HK$3,191/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,092/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,387
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,452
−HK$2,098/mo
Today · 4.125%
HK$70,550
baseline
▲ 0.50% · 4.625%
HK$74,843
+HK$4,293/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,100/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,855
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,835
−HK$2,010/mo
Today · 4.125%
HK$77,845
baseline
▲ 0.50% · 4.625%
HK$81,948
+HK$4,103/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,690/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,537 · Scale 2, in force from 26 Feb 2026)