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$36,697
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,838
−HK$1,160/mo
Today · 4.125%
HK$38,998
baseline
▲ 0.50% · 4.625%
HK$41,371
+HK$2,373/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$77,996/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,825
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,919
−HK$1,111/mo
Today · 4.125%
HK$43,030
baseline
▲ 0.50% · 4.625%
HK$45,298
+HK$2,268/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,060/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,036
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,406
−HK$1,391/mo
Today · 4.125%
HK$46,797
baseline
▲ 0.50% · 4.625%
HK$49,645
+HK$2,848/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,594/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,990
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,303
−HK$1,333/mo
Today · 4.125%
HK$51,636
baseline
▲ 0.50% · 4.625%
HK$54,358
+HK$2,722/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,272/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,375
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,973
−HK$1,624/mo
Today · 4.125%
HK$54,597
baseline
▲ 0.50% · 4.625%
HK$57,919
+HK$3,322/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,194/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,154
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,687
−HK$1,555/mo
Today · 4.125%
HK$60,242
baseline
▲ 0.50% · 4.625%
HK$63,418
+HK$3,176/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,484/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,054
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,109
−HK$2,087/mo
Today · 4.125%
HK$70,196
baseline
▲ 0.50% · 4.625%
HK$74,467
+HK$4,271/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,392/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,484
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,455
−HK$1,999/mo
Today · 4.125%
HK$77,454
baseline
▲ 0.50% · 4.625%
HK$81,537
+HK$4,083/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,908/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,495 · Scale 2, in force from 26 Feb 2026)