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$36,795
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,939
−HK$1,163/mo
Today · 4.125%
HK$39,102
baseline
▲ 0.50% · 4.625%
HK$41,481
+HK$2,379/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,204/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,934
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,031
−HK$1,114/mo
Today · 4.125%
HK$43,145
baseline
▲ 0.50% · 4.625%
HK$45,419
+HK$2,274/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,290/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,154
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,527
−HK$1,395/mo
Today · 4.125%
HK$46,922
baseline
▲ 0.50% · 4.625%
HK$49,778
+HK$2,856/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,844/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,120
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,438
−HK$1,336/mo
Today · 4.125%
HK$51,774
baseline
▲ 0.50% · 4.625%
HK$54,503
+HK$2,729/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,548/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,513
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,115
−HK$1,628/mo
Today · 4.125%
HK$54,743
baseline
▲ 0.50% · 4.625%
HK$58,074
+HK$3,331/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,486/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,307
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,844
−HK$1,559/mo
Today · 4.125%
HK$60,403
baseline
▲ 0.50% · 4.625%
HK$63,587
+HK$3,184/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,806/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,230
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,291
−HK$2,093/mo
Today · 4.125%
HK$70,384
baseline
▲ 0.50% · 4.625%
HK$74,666
+HK$4,282/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,768/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,681
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,657
−HK$2,004/mo
Today · 4.125%
HK$77,661
baseline
▲ 0.50% · 4.625%
HK$81,755
+HK$4,094/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,322/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,108 · Scale 2, in force from 26 Feb 2026)