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$36,858
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,004
−HK$1,165/mo
Today · 4.125%
HK$39,169
baseline
▲ 0.50% · 4.625%
HK$41,553
+HK$2,384/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,338/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,004
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,104
−HK$1,115/mo
Today · 4.125%
HK$43,219
baseline
▲ 0.50% · 4.625%
HK$45,498
+HK$2,279/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,438/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,229
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,605
−HK$1,398/mo
Today · 4.125%
HK$47,003
baseline
▲ 0.50% · 4.625%
HK$49,863
+HK$2,860/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,006/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,205
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,525
−HK$1,338/mo
Today · 4.125%
HK$51,863
baseline
▲ 0.50% · 4.625%
HK$54,597
+HK$2,734/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,726/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,601
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,206
−HK$1,631/mo
Today · 4.125%
HK$54,837
baseline
▲ 0.50% · 4.625%
HK$58,174
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,674/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,406
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,945
−HK$1,562/mo
Today · 4.125%
HK$60,507
baseline
▲ 0.50% · 4.625%
HK$63,697
+HK$3,190/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$121,014/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,344
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,408
−HK$2,097/mo
Today · 4.125%
HK$70,505
baseline
▲ 0.50% · 4.625%
HK$74,795
+HK$4,290/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,010/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,807
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,787
−HK$2,008/mo
Today · 4.125%
HK$77,795
baseline
▲ 0.50% · 4.625%
HK$81,896
+HK$4,101/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,590/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,148 · Scale 2, in force from 26 Feb 2026)