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$36,915
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,063
−HK$1,167/mo
Today · 4.125%
HK$39,230
baseline
▲ 0.50% · 4.625%
HK$41,617
+HK$2,387/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,460/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,068
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,169
−HK$1,117/mo
Today · 4.125%
HK$43,286
baseline
▲ 0.50% · 4.625%
HK$45,568
+HK$2,282/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,572/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,298
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,676
−HK$1,400/mo
Today · 4.125%
HK$47,076
baseline
▲ 0.50% · 4.625%
HK$49,940
+HK$2,864/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$94,152/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,281
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,603
−HK$1,341/mo
Today · 4.125%
HK$51,944
baseline
▲ 0.50% · 4.625%
HK$54,682
+HK$2,738/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$103,888/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,681
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,289
−HK$1,633/mo
Today · 4.125%
HK$54,922
baseline
▲ 0.50% · 4.625%
HK$58,264
+HK$3,342/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,844/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,495
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,037
−HK$1,564/mo
Today · 4.125%
HK$60,601
baseline
▲ 0.50% · 4.625%
HK$63,795
+HK$3,194/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,202/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,447
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,514
−HK$2,100/mo
Today · 4.125%
HK$70,614
baseline
▲ 0.50% · 4.625%
HK$74,911
+HK$4,297/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,228/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,922
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,904
−HK$2,011/mo
Today · 4.125%
HK$77,915
baseline
▲ 0.50% · 4.625%
HK$82,022
+HK$4,107/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,830/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,087 · Scale 2, in force from 26 Feb 2026)