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$36,884
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,031
−HK$1,166/mo
Today · 4.125%
HK$39,197
baseline
▲ 0.50% · 4.625%
HK$41,582
+HK$2,385/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,394/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,033
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,134
−HK$1,116/mo
Today · 4.125%
HK$43,250
baseline
▲ 0.50% · 4.625%
HK$45,530
+HK$2,280/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,500/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,261
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,638
−HK$1,398/mo
Today · 4.125%
HK$47,036
baseline
▲ 0.50% · 4.625%
HK$49,899
+HK$2,863/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,072/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,240
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,560
−HK$1,340/mo
Today · 4.125%
HK$51,900
baseline
▲ 0.50% · 4.625%
HK$54,636
+HK$2,736/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,800/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,638
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,244
−HK$1,632/mo
Today · 4.125%
HK$54,876
baseline
▲ 0.50% · 4.625%
HK$58,215
+HK$3,339/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,752/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,446
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,987
−HK$1,563/mo
Today · 4.125%
HK$60,550
baseline
▲ 0.50% · 4.625%
HK$63,742
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,100/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,391
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,457
−HK$2,098/mo
Today · 4.125%
HK$70,555
baseline
▲ 0.50% · 4.625%
HK$74,848
+HK$4,293/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,110/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,860
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,841
−HK$2,009/mo
Today · 4.125%
HK$77,850
baseline
▲ 0.50% · 4.625%
HK$81,954
+HK$4,104/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,700/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,579 · Scale 2, in force from 26 Feb 2026)