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$36,864
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,011
−HK$1,165/mo
Today · 4.125%
HK$39,176
baseline
▲ 0.50% · 4.625%
HK$41,559
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,352/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,011
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,111
−HK$1,115/mo
Today · 4.125%
HK$43,226
baseline
▲ 0.50% · 4.625%
HK$45,505
+HK$2,279/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,452/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,237
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,613
−HK$1,398/mo
Today · 4.125%
HK$47,011
baseline
▲ 0.50% · 4.625%
HK$49,871
+HK$2,860/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,022/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,213
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,533
−HK$1,339/mo
Today · 4.125%
HK$51,872
baseline
▲ 0.50% · 4.625%
HK$54,606
+HK$2,734/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,744/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,609
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,215
−HK$1,631/mo
Today · 4.125%
HK$54,846
baseline
▲ 0.50% · 4.625%
HK$58,183
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,692/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,415
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,955
−HK$1,562/mo
Today · 4.125%
HK$60,517
baseline
▲ 0.50% · 4.625%
HK$63,707
+HK$3,190/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,034/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,355
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,419
−HK$2,097/mo
Today · 4.125%
HK$70,516
baseline
▲ 0.50% · 4.625%
HK$74,807
+HK$4,291/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,032/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,819
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,799
−HK$2,008/mo
Today · 4.125%
HK$77,807
baseline
▲ 0.50% · 4.625%
HK$81,909
+HK$4,102/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,614/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,246 · Scale 2, in force from 26 Feb 2026)