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$36,618
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,757
−HK$1,157/mo
Today · 4.125%
HK$38,914
baseline
▲ 0.50% · 4.625%
HK$41,282
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,828/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,737
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,829
−HK$1,109/mo
Today · 4.125%
HK$42,938
baseline
▲ 0.50% · 4.625%
HK$45,201
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,876/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,941
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,308
−HK$1,389/mo
Today · 4.125%
HK$46,697
baseline
▲ 0.50% · 4.625%
HK$49,538
+HK$2,841/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$93,394/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,884
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,195
−HK$1,330/mo
Today · 4.125%
HK$51,525
baseline
▲ 0.50% · 4.625%
HK$54,241
+HK$2,716/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$103,050/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,265
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,859
−HK$1,620/mo
Today · 4.125%
HK$54,479
baseline
▲ 0.50% · 4.625%
HK$57,794
+HK$3,315/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,958/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,031
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,561
−HK$1,552/mo
Today · 4.125%
HK$60,113
baseline
▲ 0.50% · 4.625%
HK$63,281
+HK$3,168/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,226/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,912
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,962
−HK$2,083/mo
Today · 4.125%
HK$70,045
baseline
▲ 0.50% · 4.625%
HK$74,307
+HK$4,262/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,090/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,326
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,293
−HK$1,995/mo
Today · 4.125%
HK$77,288
baseline
▲ 0.50% · 4.625%
HK$81,362
+HK$4,074/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,576/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,196 · Scale 2, in force from 26 Feb 2026)