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$36,779
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,923
−HK$1,162/mo
Today · 4.125%
HK$39,085
baseline
▲ 0.50% · 4.625%
HK$41,463
+HK$2,378/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,170/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,916
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,013
−HK$1,114/mo
Today · 4.125%
HK$43,127
baseline
▲ 0.50% · 4.625%
HK$45,400
+HK$2,273/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,254/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,134
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,507
−HK$1,395/mo
Today · 4.125%
HK$46,902
baseline
▲ 0.50% · 4.625%
HK$49,756
+HK$2,854/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,804/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,099
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,416
−HK$1,336/mo
Today · 4.125%
HK$51,752
baseline
▲ 0.50% · 4.625%
HK$54,480
+HK$2,728/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,504/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,490
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,092
−HK$1,627/mo
Today · 4.125%
HK$54,719
baseline
▲ 0.50% · 4.625%
HK$58,049
+HK$3,330/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,438/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,282
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,819
−HK$1,558/mo
Today · 4.125%
HK$60,377
baseline
▲ 0.50% · 4.625%
HK$63,560
+HK$3,183/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,754/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,202
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,261
−HK$2,092/mo
Today · 4.125%
HK$70,353
baseline
▲ 0.50% · 4.625%
HK$74,634
+HK$4,281/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,706/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,649
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,624
−HK$2,004/mo
Today · 4.125%
HK$77,628
baseline
▲ 0.50% · 4.625%
HK$81,720
+HK$4,092/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,256/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,845 · Scale 2, in force from 26 Feb 2026)