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$36,792
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,936
−HK$1,163/mo
Today · 4.125%
HK$39,099
baseline
▲ 0.50% · 4.625%
HK$41,478
+HK$2,379/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,198/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,930
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,028
−HK$1,114/mo
Today · 4.125%
HK$43,142
baseline
▲ 0.50% · 4.625%
HK$45,416
+HK$2,274/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,284/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,150
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,523
−HK$1,396/mo
Today · 4.125%
HK$46,919
baseline
▲ 0.50% · 4.625%
HK$49,774
+HK$2,855/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,838/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,117
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,434
−HK$1,336/mo
Today · 4.125%
HK$51,770
baseline
▲ 0.50% · 4.625%
HK$54,499
+HK$2,729/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,540/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,508
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,111
−HK$1,628/mo
Today · 4.125%
HK$54,739
baseline
▲ 0.50% · 4.625%
HK$58,069
+HK$3,330/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,478/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,303
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,840
−HK$1,559/mo
Today · 4.125%
HK$60,399
baseline
▲ 0.50% · 4.625%
HK$63,582
+HK$3,183/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,798/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,225
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,285
−HK$2,093/mo
Today · 4.125%
HK$70,378
baseline
▲ 0.50% · 4.625%
HK$74,660
+HK$4,282/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,756/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,675
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,651
−HK$2,004/mo
Today · 4.125%
HK$77,655
baseline
▲ 0.50% · 4.625%
HK$81,749
+HK$4,094/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,310/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,060 · Scale 2, in force from 26 Feb 2026)