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$36,728
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,871
−HK$1,161/mo
Today · 4.125%
HK$39,032
baseline
▲ 0.50% · 4.625%
HK$41,407
+HK$2,375/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,064/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,860
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,956
−HK$1,111/mo
Today · 4.125%
HK$43,067
baseline
▲ 0.50% · 4.625%
HK$45,338
+HK$2,271/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,134/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,074
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,445
−HK$1,393/mo
Today · 4.125%
HK$46,838
baseline
▲ 0.50% · 4.625%
HK$49,688
+HK$2,850/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,676/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,032
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,347
−HK$1,334/mo
Today · 4.125%
HK$51,681
baseline
▲ 0.50% · 4.625%
HK$54,405
+HK$2,724/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,362/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,420
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,019
−HK$1,625/mo
Today · 4.125%
HK$54,644
baseline
▲ 0.50% · 4.625%
HK$57,969
+HK$3,325/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,288/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,204
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,738
−HK$1,556/mo
Today · 4.125%
HK$60,294
baseline
▲ 0.50% · 4.625%
HK$63,473
+HK$3,179/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,588/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,111
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,167
−HK$2,090/mo
Today · 4.125%
HK$70,257
baseline
▲ 0.50% · 4.625%
HK$74,532
+HK$4,275/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,514/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$604,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,548
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,520
−HK$2,001/mo
Today · 4.125%
HK$77,521
baseline
▲ 0.50% · 4.625%
HK$81,608
+HK$4,087/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,042/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$604,018 · Scale 2, in force from 26 Feb 2026)