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$36,736
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,879
−HK$1,161/mo
Today · 4.125%
HK$39,040
baseline
▲ 0.50% · 4.625%
HK$41,415
+HK$2,375/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,080/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,869
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,965
−HK$1,112/mo
Today · 4.125%
HK$43,077
baseline
▲ 0.50% · 4.625%
HK$45,347
+HK$2,270/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,154/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,084
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,455
−HK$1,393/mo
Today · 4.125%
HK$46,848
baseline
▲ 0.50% · 4.625%
HK$49,699
+HK$2,851/mo
Deposit HK$6.44M · loan HK$9.67M · min. income ≈ HK$93,696/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,042
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,358
−HK$1,334/mo
Today · 4.125%
HK$51,692
baseline
▲ 0.50% · 4.625%
HK$54,417
+HK$2,725/mo
Deposit HK$6.44M · loan HK$9.67M · min. income ≈ HK$103,384/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,431
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,031
−HK$1,625/mo
Today · 4.125%
HK$54,656
baseline
▲ 0.50% · 4.625%
HK$57,982
+HK$3,326/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,312/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,216
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,751
−HK$1,556/mo
Today · 4.125%
HK$60,307
baseline
▲ 0.50% · 4.625%
HK$63,486
+HK$3,179/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,614/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,125
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,182
−HK$2,090/mo
Today · 4.125%
HK$70,272
baseline
▲ 0.50% · 4.625%
HK$74,548
+HK$4,276/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,544/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,564
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,537
−HK$2,001/mo
Today · 4.125%
HK$77,538
baseline
▲ 0.50% · 4.625%
HK$81,625
+HK$4,087/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,076/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,147 · Scale 2, in force from 26 Feb 2026)