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$36,786
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,931
−HK$1,162/mo
Today · 4.125%
HK$39,093
baseline
▲ 0.50% · 4.625%
HK$41,472
+HK$2,379/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,186/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,924
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,022
−HK$1,113/mo
Today · 4.125%
HK$43,135
baseline
▲ 0.50% · 4.625%
HK$45,409
+HK$2,274/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,270/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,143
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,517
−HK$1,395/mo
Today · 4.125%
HK$46,912
baseline
▲ 0.50% · 4.625%
HK$49,766
+HK$2,854/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,824/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,109
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,426
−HK$1,336/mo
Today · 4.125%
HK$51,762
baseline
▲ 0.50% · 4.625%
HK$54,491
+HK$2,729/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,524/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,501
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,103
−HK$1,627/mo
Today · 4.125%
HK$54,730
baseline
▲ 0.50% · 4.625%
HK$58,060
+HK$3,330/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,460/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,294
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,831
−HK$1,558/mo
Today · 4.125%
HK$60,389
baseline
▲ 0.50% · 4.625%
HK$63,573
+HK$3,184/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,778/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,215
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,275
−HK$2,093/mo
Today · 4.125%
HK$70,368
baseline
▲ 0.50% · 4.625%
HK$74,649
+HK$4,281/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,736/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,664
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,639
−HK$2,005/mo
Today · 4.125%
HK$77,644
baseline
▲ 0.50% · 4.625%
HK$81,736
+HK$4,092/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,288/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,969 · Scale 2, in force from 26 Feb 2026)