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$36,749
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,893
−HK$1,161/mo
Today · 4.125%
HK$39,054
baseline
▲ 0.50% · 4.625%
HK$41,430
+HK$2,376/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,108/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,883
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,980
−HK$1,112/mo
Today · 4.125%
HK$43,092
baseline
▲ 0.50% · 4.625%
HK$45,364
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,184/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,099
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,471
−HK$1,394/mo
Today · 4.125%
HK$46,865
baseline
▲ 0.50% · 4.625%
HK$49,716
+HK$2,851/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,730/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,060
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,376
−HK$1,335/mo
Today · 4.125%
HK$51,711
baseline
▲ 0.50% · 4.625%
HK$54,436
+HK$2,725/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,422/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,449
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,050
−HK$1,625/mo
Today · 4.125%
HK$54,675
baseline
▲ 0.50% · 4.625%
HK$58,002
+HK$3,327/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,350/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,237
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,772
−HK$1,557/mo
Today · 4.125%
HK$60,329
baseline
▲ 0.50% · 4.625%
HK$63,509
+HK$3,180/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,658/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,149
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,207
−HK$2,090/mo
Today · 4.125%
HK$70,297
baseline
▲ 0.50% · 4.625%
HK$74,574
+HK$4,277/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,594/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,590
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,564
−HK$2,002/mo
Today · 4.125%
HK$77,566
baseline
▲ 0.50% · 4.625%
HK$81,654
+HK$4,088/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,132/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,363 · Scale 2, in force from 26 Feb 2026)