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$36,902
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,050
−HK$1,166/mo
Today · 4.125%
HK$39,216
baseline
▲ 0.50% · 4.625%
HK$41,602
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,432/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,053
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,154
−HK$1,117/mo
Today · 4.125%
HK$43,271
baseline
▲ 0.50% · 4.625%
HK$45,552
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,542/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,282
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,659
−HK$1,400/mo
Today · 4.125%
HK$47,059
baseline
▲ 0.50% · 4.625%
HK$49,922
+HK$2,863/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,118/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,263
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,585
−HK$1,340/mo
Today · 4.125%
HK$51,925
baseline
▲ 0.50% · 4.625%
HK$54,662
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,850/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,662
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,269
−HK$1,633/mo
Today · 4.125%
HK$54,902
baseline
▲ 0.50% · 4.625%
HK$58,243
+HK$3,341/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$109,804/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,474
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,015
−HK$1,564/mo
Today · 4.125%
HK$60,579
baseline
▲ 0.50% · 4.625%
HK$63,772
+HK$3,193/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$121,158/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,423
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,489
−HK$2,099/mo
Today · 4.125%
HK$70,588
baseline
▲ 0.50% · 4.625%
HK$74,883
+HK$4,295/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,176/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,895
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,877
−HK$2,010/mo
Today · 4.125%
HK$77,887
baseline
▲ 0.50% · 4.625%
HK$81,993
+HK$4,106/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,774/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,868 · Scale 2, in force from 26 Feb 2026)