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$36,792
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,936
−HK$1,163/mo
Today · 4.125%
HK$39,099
baseline
▲ 0.50% · 4.625%
HK$41,478
+HK$2,379/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,198/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,930
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,028
−HK$1,114/mo
Today · 4.125%
HK$43,142
baseline
▲ 0.50% · 4.625%
HK$45,416
+HK$2,274/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,284/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,150
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,523
−HK$1,395/mo
Today · 4.125%
HK$46,918
baseline
▲ 0.50% · 4.625%
HK$49,773
+HK$2,855/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,836/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,116
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,434
−HK$1,336/mo
Today · 4.125%
HK$51,770
baseline
▲ 0.50% · 4.625%
HK$54,499
+HK$2,729/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,540/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,508
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,110
−HK$1,628/mo
Today · 4.125%
HK$54,738
baseline
▲ 0.50% · 4.625%
HK$58,069
+HK$3,331/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,476/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,302
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,839
−HK$1,559/mo
Today · 4.125%
HK$60,398
baseline
▲ 0.50% · 4.625%
HK$63,582
+HK$3,184/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,796/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,225
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,285
−HK$2,093/mo
Today · 4.125%
HK$70,378
baseline
▲ 0.50% · 4.625%
HK$74,660
+HK$4,282/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,756/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,674
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,650
−HK$2,005/mo
Today · 4.125%
HK$77,655
baseline
▲ 0.50% · 4.625%
HK$81,748
+HK$4,093/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,310/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,057 · Scale 2, in force from 26 Feb 2026)