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$36,845
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,991
−HK$1,165/mo
Today · 4.125%
HK$39,156
baseline
▲ 0.50% · 4.625%
HK$41,538
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,312/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$605,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,990
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,089
−HK$1,115/mo
Today · 4.125%
HK$43,204
baseline
▲ 0.50% · 4.625%
HK$45,482
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,408/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$605,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,214
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,589
−HK$1,398/mo
Today · 4.125%
HK$46,987
baseline
▲ 0.50% · 4.625%
HK$49,846
+HK$2,859/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,974/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,188
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,507
−HK$1,338/mo
Today · 4.125%
HK$51,845
baseline
▲ 0.50% · 4.625%
HK$54,578
+HK$2,733/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,690/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,583
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,188
−HK$1,630/mo
Today · 4.125%
HK$54,818
baseline
▲ 0.50% · 4.625%
HK$58,153
+HK$3,335/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,636/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,386
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,925
−HK$1,561/mo
Today · 4.125%
HK$60,486
baseline
▲ 0.50% · 4.625%
HK$63,674
+HK$3,188/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,972/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,321
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,384
−HK$2,096/mo
Today · 4.125%
HK$70,480
baseline
▲ 0.50% · 4.625%
HK$74,769
+HK$4,289/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,960/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,782
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,761
−HK$2,007/mo
Today · 4.125%
HK$77,768
baseline
▲ 0.50% · 4.625%
HK$81,867
+HK$4,099/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,536/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,938 · Scale 2, in force from 26 Feb 2026)