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$36,856
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,002
−HK$1,165/mo
Today · 4.125%
HK$39,167
baseline
▲ 0.50% · 4.625%
HK$41,550
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,334/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,002
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,102
−HK$1,115/mo
Today · 4.125%
HK$43,217
baseline
▲ 0.50% · 4.625%
HK$45,495
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,434/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,227
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,603
−HK$1,398/mo
Today · 4.125%
HK$47,001
baseline
▲ 0.50% · 4.625%
HK$49,860
+HK$2,859/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,002/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,202
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,522
−HK$1,339/mo
Today · 4.125%
HK$51,861
baseline
▲ 0.50% · 4.625%
HK$54,594
+HK$2,733/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,722/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,598
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,203
−HK$1,631/mo
Today · 4.125%
HK$54,834
baseline
▲ 0.50% · 4.625%
HK$58,171
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,668/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,403
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,942
−HK$1,562/mo
Today · 4.125%
HK$60,504
baseline
▲ 0.50% · 4.625%
HK$63,693
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$121,008/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,341
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,404
−HK$2,097/mo
Today · 4.125%
HK$70,501
baseline
▲ 0.50% · 4.625%
HK$74,791
+HK$4,290/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,002/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,803
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,783
−HK$2,008/mo
Today · 4.125%
HK$77,791
baseline
▲ 0.50% · 4.625%
HK$81,891
+HK$4,100/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,582/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,116 · Scale 2, in force from 26 Feb 2026)