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$36,901
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,049
−HK$1,166/mo
Today · 4.125%
HK$39,215
baseline
▲ 0.50% · 4.625%
HK$41,601
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,430/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,052
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,153
−HK$1,117/mo
Today · 4.125%
HK$43,270
baseline
▲ 0.50% · 4.625%
HK$45,551
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,540/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,281
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,659
−HK$1,399/mo
Today · 4.125%
HK$47,058
baseline
▲ 0.50% · 4.625%
HK$49,922
+HK$2,864/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,116/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,263
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,584
−HK$1,340/mo
Today · 4.125%
HK$51,924
baseline
▲ 0.50% · 4.625%
HK$54,661
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,848/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,662
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,269
−HK$1,632/mo
Today · 4.125%
HK$54,901
baseline
▲ 0.50% · 4.625%
HK$58,242
+HK$3,341/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$109,802/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,473
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,014
−HK$1,564/mo
Today · 4.125%
HK$60,578
baseline
▲ 0.50% · 4.625%
HK$63,771
+HK$3,193/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$121,156/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,422
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,488
−HK$2,099/mo
Today · 4.125%
HK$70,587
baseline
▲ 0.50% · 4.625%
HK$74,882
+HK$4,295/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,174/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,894
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,876
−HK$2,010/mo
Today · 4.125%
HK$77,886
baseline
▲ 0.50% · 4.625%
HK$81,992
+HK$4,106/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,772/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,859 · Scale 2, in force from 26 Feb 2026)