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$36,713
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,855
−HK$1,160/mo
Today · 4.125%
HK$39,015
baseline
▲ 0.50% · 4.625%
HK$41,389
+HK$2,374/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,030/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,843
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,938
−HK$1,112/mo
Today · 4.125%
HK$43,050
baseline
▲ 0.50% · 4.625%
HK$45,319
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,100/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,056
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,426
−HK$1,392/mo
Today · 4.125%
HK$46,818
baseline
▲ 0.50% · 4.625%
HK$49,667
+HK$2,849/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,636/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,012
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,326
−HK$1,334/mo
Today · 4.125%
HK$51,660
baseline
▲ 0.50% · 4.625%
HK$54,383
+HK$2,723/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,320/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,398
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$52,997
−HK$1,625/mo
Today · 4.125%
HK$54,622
baseline
▲ 0.50% · 4.625%
HK$57,945
+HK$3,323/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,244/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,180
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,714
−HK$1,556/mo
Today · 4.125%
HK$60,270
baseline
▲ 0.50% · 4.625%
HK$63,446
+HK$3,176/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,540/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,084
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,139
−HK$2,089/mo
Today · 4.125%
HK$70,228
baseline
▲ 0.50% · 4.625%
HK$74,501
+HK$4,273/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,456/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,517
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,489
−HK$2,000/mo
Today · 4.125%
HK$77,489
baseline
▲ 0.50% · 4.625%
HK$81,574
+HK$4,085/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,978/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,768 · Scale 2, in force from 26 Feb 2026)