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$36,615
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,754
−HK$1,157/mo
Today · 4.125%
HK$38,911
baseline
▲ 0.50% · 4.625%
HK$41,279
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,822/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,734
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,827
−HK$1,108/mo
Today · 4.125%
HK$42,935
baseline
▲ 0.50% · 4.625%
HK$45,198
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,870/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,938
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,305
−HK$1,389/mo
Today · 4.125%
HK$46,694
baseline
▲ 0.50% · 4.625%
HK$49,535
+HK$2,841/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,388/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,881
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,192
−HK$1,330/mo
Today · 4.125%
HK$51,522
baseline
▲ 0.50% · 4.625%
HK$54,238
+HK$2,716/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,044/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,261
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,856
−HK$1,620/mo
Today · 4.125%
HK$54,476
baseline
▲ 0.50% · 4.625%
HK$57,791
+HK$3,315/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,952/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,028
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,557
−HK$1,552/mo
Today · 4.125%
HK$60,109
baseline
▲ 0.50% · 4.625%
HK$63,277
+HK$3,168/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,218/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,907
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,958
−HK$2,082/mo
Today · 4.125%
HK$70,040
baseline
▲ 0.50% · 4.625%
HK$74,302
+HK$4,262/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,080/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,321
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,288
−HK$1,995/mo
Today · 4.125%
HK$77,283
baseline
▲ 0.50% · 4.625%
HK$81,356
+HK$4,073/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,566/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,157 · Scale 2, in force from 26 Feb 2026)