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$36,869
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,016
−HK$1,165/mo
Today · 4.125%
HK$39,181
baseline
▲ 0.50% · 4.625%
HK$41,565
+HK$2,384/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,362/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,016
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,116
−HK$1,116/mo
Today · 4.125%
HK$43,232
baseline
▲ 0.50% · 4.625%
HK$45,511
+HK$2,279/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,464/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,243
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,619
−HK$1,398/mo
Today · 4.125%
HK$47,017
baseline
▲ 0.50% · 4.625%
HK$49,878
+HK$2,861/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,034/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,220
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,540
−HK$1,339/mo
Today · 4.125%
HK$51,879
baseline
▲ 0.50% · 4.625%
HK$54,613
+HK$2,734/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,758/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,617
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,222
−HK$1,631/mo
Today · 4.125%
HK$54,853
baseline
▲ 0.50% · 4.625%
HK$58,191
+HK$3,338/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,706/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,423
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,963
−HK$1,562/mo
Today · 4.125%
HK$60,525
baseline
▲ 0.50% · 4.625%
HK$63,716
+HK$3,191/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,050/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,364
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,429
−HK$2,097/mo
Today · 4.125%
HK$70,526
baseline
▲ 0.50% · 4.625%
HK$74,817
+HK$4,291/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,052/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,830
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,810
−HK$2,008/mo
Today · 4.125%
HK$77,818
baseline
▲ 0.50% · 4.625%
HK$81,920
+HK$4,102/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,636/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,330 · Scale 2, in force from 26 Feb 2026)