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$36,670
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,811
−HK$1,159/mo
Today · 4.125%
HK$38,970
baseline
▲ 0.50% · 4.625%
HK$41,341
+HK$2,371/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,940/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,795
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,889
−HK$1,110/mo
Today · 4.125%
HK$42,999
baseline
▲ 0.50% · 4.625%
HK$45,266
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,998/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,004
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,373
−HK$1,391/mo
Today · 4.125%
HK$46,764
baseline
▲ 0.50% · 4.625%
HK$49,609
+HK$2,845/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,528/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,954
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,267
−HK$1,332/mo
Today · 4.125%
HK$51,599
baseline
▲ 0.50% · 4.625%
HK$54,319
+HK$2,720/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,198/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,338
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,935
−HK$1,623/mo
Today · 4.125%
HK$54,558
baseline
▲ 0.50% · 4.625%
HK$57,877
+HK$3,319/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$109,116/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,113
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,645
−HK$1,554/mo
Today · 4.125%
HK$60,199
baseline
▲ 0.50% · 4.625%
HK$63,372
+HK$3,173/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$120,398/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,006
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,059
−HK$2,086/mo
Today · 4.125%
HK$70,145
baseline
▲ 0.50% · 4.625%
HK$74,414
+HK$4,269/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,290/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,431
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,401
−HK$1,997/mo
Today · 4.125%
HK$77,398
baseline
▲ 0.50% · 4.625%
HK$81,478
+HK$4,080/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,796/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,059 · Scale 2, in force from 26 Feb 2026)