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$36,745
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,888
−HK$1,162/mo
Today · 4.125%
HK$39,050
baseline
▲ 0.50% · 4.625%
HK$41,426
+HK$2,376/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,100/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,879
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,975
−HK$1,112/mo
Today · 4.125%
HK$43,087
baseline
▲ 0.50% · 4.625%
HK$45,359
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,174/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,094
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,466
−HK$1,394/mo
Today · 4.125%
HK$46,860
baseline
▲ 0.50% · 4.625%
HK$49,711
+HK$2,851/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,720/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,055
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,370
−HK$1,335/mo
Today · 4.125%
HK$51,705
baseline
▲ 0.50% · 4.625%
HK$54,430
+HK$2,725/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,410/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,444
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,044
−HK$1,626/mo
Today · 4.125%
HK$54,670
baseline
▲ 0.50% · 4.625%
HK$57,996
+HK$3,326/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,340/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,230
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,765
−HK$1,557/mo
Today · 4.125%
HK$60,322
baseline
▲ 0.50% · 4.625%
HK$63,502
+HK$3,180/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,644/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,142
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,199
−HK$2,090/mo
Today · 4.125%
HK$70,289
baseline
▲ 0.50% · 4.625%
HK$74,566
+HK$4,277/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,578/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,582
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,555
−HK$2,002/mo
Today · 4.125%
HK$77,557
baseline
▲ 0.50% · 4.625%
HK$81,646
+HK$4,089/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,114/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,298 · Scale 2, in force from 26 Feb 2026)