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$36,702
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,844
−HK$1,160/mo
Today · 4.125%
HK$39,004
baseline
▲ 0.50% · 4.625%
HK$41,377
+HK$2,373/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,008/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,831
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,926
−HK$1,111/mo
Today · 4.125%
HK$43,037
baseline
▲ 0.50% · 4.625%
HK$45,305
+HK$2,268/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,074/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,043
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,413
−HK$1,392/mo
Today · 4.125%
HK$46,805
baseline
▲ 0.50% · 4.625%
HK$49,652
+HK$2,847/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,610/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,997
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,311
−HK$1,333/mo
Today · 4.125%
HK$51,644
baseline
▲ 0.50% · 4.625%
HK$54,366
+HK$2,722/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,288/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,383
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,981
−HK$1,624/mo
Today · 4.125%
HK$54,605
baseline
▲ 0.50% · 4.625%
HK$57,928
+HK$3,323/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,210/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,163
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,696
−HK$1,556/mo
Today · 4.125%
HK$60,252
baseline
▲ 0.50% · 4.625%
HK$63,427
+HK$3,175/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,504/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,064
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,119
−HK$2,088/mo
Today · 4.125%
HK$70,207
baseline
▲ 0.50% · 4.625%
HK$74,479
+HK$4,272/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,414/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,496
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,467
−HK$1,999/mo
Today · 4.125%
HK$77,466
baseline
▲ 0.50% · 4.625%
HK$81,550
+HK$4,084/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,932/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,587 · Scale 2, in force from 26 Feb 2026)