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$36,847
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,993
−HK$1,165/mo
Today · 4.125%
HK$39,158
baseline
▲ 0.50% · 4.625%
HK$41,540
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,316/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$605,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,992
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,091
−HK$1,116/mo
Today · 4.125%
HK$43,207
baseline
▲ 0.50% · 4.625%
HK$45,484
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,414/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$605,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,216
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,592
−HK$1,397/mo
Today · 4.125%
HK$46,989
baseline
▲ 0.50% · 4.625%
HK$49,848
+HK$2,859/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$93,978/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,190
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,510
−HK$1,338/mo
Today · 4.125%
HK$51,848
baseline
▲ 0.50% · 4.625%
HK$54,581
+HK$2,733/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$103,696/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,586
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,190
−HK$1,631/mo
Today · 4.125%
HK$54,821
baseline
▲ 0.50% · 4.625%
HK$58,156
+HK$3,335/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,642/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,389
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,928
−HK$1,561/mo
Today · 4.125%
HK$60,489
baseline
▲ 0.50% · 4.625%
HK$63,678
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,978/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,325
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,388
−HK$2,096/mo
Today · 4.125%
HK$70,484
baseline
▲ 0.50% · 4.625%
HK$74,773
+HK$4,289/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,968/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,786
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,764
−HK$2,008/mo
Today · 4.125%
HK$77,772
baseline
▲ 0.50% · 4.625%
HK$81,871
+HK$4,099/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,544/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,969 · Scale 2, in force from 26 Feb 2026)