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$36,857
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,004
−HK$1,165/mo
Today · 4.125%
HK$39,169
baseline
▲ 0.50% · 4.625%
HK$41,552
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,338/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,003
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,103
−HK$1,116/mo
Today · 4.125%
HK$43,219
baseline
▲ 0.50% · 4.625%
HK$45,497
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,438/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,229
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,604
−HK$1,398/mo
Today · 4.125%
HK$47,002
baseline
▲ 0.50% · 4.625%
HK$49,862
+HK$2,860/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,004/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,204
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,524
−HK$1,338/mo
Today · 4.125%
HK$51,862
baseline
▲ 0.50% · 4.625%
HK$54,596
+HK$2,734/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,724/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,600
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,205
−HK$1,631/mo
Today · 4.125%
HK$54,836
baseline
▲ 0.50% · 4.625%
HK$58,173
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,672/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,405
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,944
−HK$1,562/mo
Today · 4.125%
HK$60,506
baseline
▲ 0.50% · 4.625%
HK$63,695
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$121,012/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,343
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,407
−HK$2,096/mo
Today · 4.125%
HK$70,503
baseline
▲ 0.50% · 4.625%
HK$74,793
+HK$4,290/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,006/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,806
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,785
−HK$2,009/mo
Today · 4.125%
HK$77,794
baseline
▲ 0.50% · 4.625%
HK$81,894
+HK$4,100/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,588/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,138 · Scale 2, in force from 26 Feb 2026)