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$36,768
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,912
−HK$1,162/mo
Today · 4.125%
HK$39,074
baseline
▲ 0.50% · 4.625%
HK$41,451
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,148/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,904
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,001
−HK$1,113/mo
Today · 4.125%
HK$43,114
baseline
▲ 0.50% · 4.625%
HK$45,387
+HK$2,273/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,228/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,122
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,494
−HK$1,394/mo
Today · 4.125%
HK$46,888
baseline
▲ 0.50% · 4.625%
HK$49,741
+HK$2,853/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,776/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,085
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,401
−HK$1,336/mo
Today · 4.125%
HK$51,737
baseline
▲ 0.50% · 4.625%
HK$54,464
+HK$2,727/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,474/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,475
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,076
−HK$1,627/mo
Today · 4.125%
HK$54,703
baseline
▲ 0.50% · 4.625%
HK$58,032
+HK$3,329/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,406/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,266
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,801
−HK$1,559/mo
Today · 4.125%
HK$60,360
baseline
▲ 0.50% · 4.625%
HK$63,541
+HK$3,181/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,720/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,182
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,241
−HK$2,092/mo
Today · 4.125%
HK$70,333
baseline
▲ 0.50% · 4.625%
HK$74,612
+HK$4,279/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,666/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,627
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,602
−HK$2,003/mo
Today · 4.125%
HK$77,605
baseline
▲ 0.50% · 4.625%
HK$81,696
+HK$4,091/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,210/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,669 · Scale 2, in force from 26 Feb 2026)