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$36,723
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,866
−HK$1,160/mo
Today · 4.125%
HK$39,026
baseline
▲ 0.50% · 4.625%
HK$41,401
+HK$2,375/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,052/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,854
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,950
−HK$1,112/mo
Today · 4.125%
HK$43,062
baseline
▲ 0.50% · 4.625%
HK$45,332
+HK$2,270/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,124/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,068
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,439
−HK$1,393/mo
Today · 4.125%
HK$46,832
baseline
▲ 0.50% · 4.625%
HK$49,681
+HK$2,849/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,664/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,025
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,340
−HK$1,334/mo
Today · 4.125%
HK$51,674
baseline
▲ 0.50% · 4.625%
HK$54,398
+HK$2,724/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,348/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,413
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,012
−HK$1,625/mo
Today · 4.125%
HK$54,637
baseline
▲ 0.50% · 4.625%
HK$57,961
+HK$3,324/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,274/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,196
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,730
−HK$1,556/mo
Today · 4.125%
HK$60,286
baseline
▲ 0.50% · 4.625%
HK$63,464
+HK$3,178/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,572/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,102
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,158
−HK$2,089/mo
Today · 4.125%
HK$70,247
baseline
▲ 0.50% · 4.625%
HK$74,522
+HK$4,275/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,494/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,538
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,510
−HK$2,001/mo
Today · 4.125%
HK$77,511
baseline
▲ 0.50% · 4.625%
HK$81,597
+HK$4,086/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$155,022/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,937 · Scale 2, in force from 26 Feb 2026)