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$36,899
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,047
−HK$1,166/mo
Today · 4.125%
HK$39,213
baseline
▲ 0.50% · 4.625%
HK$41,599
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,426/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,050
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,151
−HK$1,117/mo
Today · 4.125%
HK$43,268
baseline
▲ 0.50% · 4.625%
HK$45,549
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,536/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,279
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,657
−HK$1,399/mo
Today · 4.125%
HK$47,056
baseline
▲ 0.50% · 4.625%
HK$49,919
+HK$2,863/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,112/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,260
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,581
−HK$1,341/mo
Today · 4.125%
HK$51,922
baseline
▲ 0.50% · 4.625%
HK$54,659
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,844/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,659
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,266
−HK$1,633/mo
Today · 4.125%
HK$54,899
baseline
▲ 0.50% · 4.625%
HK$58,239
+HK$3,340/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$109,798/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,470
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,012
−HK$1,563/mo
Today · 4.125%
HK$60,575
baseline
▲ 0.50% · 4.625%
HK$63,768
+HK$3,193/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$121,150/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,419
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,485
−HK$2,099/mo
Today · 4.125%
HK$70,584
baseline
▲ 0.50% · 4.625%
HK$74,879
+HK$4,295/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,168/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,890
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,872
−HK$2,011/mo
Today · 4.125%
HK$77,883
baseline
▲ 0.50% · 4.625%
HK$81,988
+HK$4,105/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,766/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,831 · Scale 2, in force from 26 Feb 2026)