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$36,889
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,036
−HK$1,166/mo
Today · 4.125%
HK$39,202
baseline
▲ 0.50% · 4.625%
HK$41,587
+HK$2,385/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,404/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,038
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,139
−HK$1,116/mo
Today · 4.125%
HK$43,255
baseline
▲ 0.50% · 4.625%
HK$45,535
+HK$2,280/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,510/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,266
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,643
−HK$1,399/mo
Today · 4.125%
HK$47,042
baseline
▲ 0.50% · 4.625%
HK$49,905
+HK$2,863/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,084/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,246
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,567
−HK$1,339/mo
Today · 4.125%
HK$51,906
baseline
▲ 0.50% · 4.625%
HK$54,643
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,812/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,644
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,250
−HK$1,633/mo
Today · 4.125%
HK$54,883
baseline
▲ 0.50% · 4.625%
HK$58,222
+HK$3,339/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,766/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,453
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$58,994
−HK$1,564/mo
Today · 4.125%
HK$60,558
baseline
▲ 0.50% · 4.625%
HK$63,750
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,116/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,399
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,465
−HK$2,098/mo
Today · 4.125%
HK$70,563
baseline
▲ 0.50% · 4.625%
HK$74,857
+HK$4,294/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,126/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,869
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,850
−HK$2,010/mo
Today · 4.125%
HK$77,860
baseline
▲ 0.50% · 4.625%
HK$81,964
+HK$4,104/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,720/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,653 · Scale 2, in force from 26 Feb 2026)