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$604,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,868
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,965
−HK$1,111/mo
Today · 4.125%
HK$43,076
baseline
▲ 0.50% · 4.625%
HK$45,347
+HK$2,271/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,152/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,083
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,454
−HK$1,394/mo
Today · 4.125%
HK$46,848
baseline
▲ 0.50% · 4.625%
HK$49,698
+HK$2,850/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$604,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,042
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,357
−HK$1,335/mo
Today · 4.125%
HK$51,692
baseline
▲ 0.50% · 4.625%
HK$54,416
+HK$2,724/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$604,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,430
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,030
−HK$1,626/mo
Today · 4.125%
HK$54,656
baseline
▲ 0.50% · 4.625%
HK$57,981
+HK$3,325/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$604,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,216
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,750
−HK$1,557/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$604,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,125
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,182
−HK$2,089/mo
Today · 4.125%
HK$70,271
baseline
▲ 0.50% · 4.625%
HK$74,547
+HK$4,276/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,542/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,563
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,536
−HK$2,002/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$604,143 · Scale 2, in force from 26 Feb 2026)