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$36,716
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,858
−HK$1,161/mo
Today · 4.125%
HK$39,019
baseline
▲ 0.50% · 4.625%
HK$41,393
+HK$2,374/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,038/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,846
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,942
−HK$1,111/mo
Today · 4.125%
HK$43,053
baseline
▲ 0.50% · 4.625%
HK$45,323
+HK$2,270/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,106/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,059
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,430
−HK$1,392/mo
Today · 4.125%
HK$46,822
baseline
▲ 0.50% · 4.625%
HK$49,671
+HK$2,849/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,644/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,016
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,330
−HK$1,334/mo
Today · 4.125%
HK$51,664
baseline
▲ 0.50% · 4.625%
HK$54,387
+HK$2,723/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,328/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,403
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$53,002
−HK$1,624/mo
Today · 4.125%
HK$54,626
baseline
▲ 0.50% · 4.625%
HK$57,950
+HK$3,324/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,252/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,185
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,719
−HK$1,555/mo
Today · 4.125%
HK$60,274
baseline
▲ 0.50% · 4.625%
HK$63,452
+HK$3,178/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,548/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,089
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,145
−HK$2,088/mo
Today · 4.125%
HK$70,233
baseline
▲ 0.50% · 4.625%
HK$74,507
+HK$4,274/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,466/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,523
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,495
−HK$2,001/mo
Today · 4.125%
HK$77,496
baseline
▲ 0.50% · 4.625%
HK$81,581
+HK$4,085/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,992/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,817 · Scale 2, in force from 26 Feb 2026)