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$36,885
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,032
−HK$1,165/mo
Today · 4.125%
HK$39,197
baseline
▲ 0.50% · 4.625%
HK$41,583
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,394/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,034
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,134
−HK$1,117/mo
Today · 4.125%
HK$43,251
baseline
▲ 0.50% · 4.625%
HK$45,530
+HK$2,279/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,502/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,261
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,638
−HK$1,399/mo
Today · 4.125%
HK$47,037
baseline
▲ 0.50% · 4.625%
HK$49,899
+HK$2,862/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,074/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,240
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,561
−HK$1,340/mo
Today · 4.125%
HK$51,901
baseline
▲ 0.50% · 4.625%
HK$54,636
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,802/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,638
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,245
−HK$1,631/mo
Today · 4.125%
HK$54,876
baseline
▲ 0.50% · 4.625%
HK$58,216
+HK$3,340/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,752/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,447
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,988
−HK$1,563/mo
Today · 4.125%
HK$60,551
baseline
▲ 0.50% · 4.625%
HK$63,743
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,102/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,392
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,457
−HK$2,098/mo
Today · 4.125%
HK$70,555
baseline
▲ 0.50% · 4.625%
HK$74,849
+HK$4,294/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,110/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,861
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,841
−HK$2,010/mo
Today · 4.125%
HK$77,851
baseline
▲ 0.50% · 4.625%
HK$81,955
+HK$4,104/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,702/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,585 · Scale 2, in force from 26 Feb 2026)