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$2,312/mo
▼ 0.25% · 3.875%
HK$38,005
−HK$1,165/mo
Today · 4.125%
HK$39,170
baseline
▲ 0.50% · 4.625%
HK$41,553
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,340/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,004
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,104
−HK$1,116/mo
Today · 4.125%
HK$43,220
baseline
▲ 0.50% · 4.625%
HK$45,498
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,440/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,230
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,606
−HK$1,397/mo
Today · 4.125%
HK$47,003
baseline
▲ 0.50% · 4.625%
HK$49,864
+HK$2,861/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$606,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,205
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,525
−HK$1,339/mo
Today · 4.125%
HK$51,864
baseline
▲ 0.50% · 4.625%
HK$54,597
+HK$2,733/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,728/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,602
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,207
−HK$1,630/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$606,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,406
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,946
−HK$1,562/mo
Today · 4.125%
HK$60,508
baseline
▲ 0.50% · 4.625%
HK$63,697
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$121,016/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,345
−HK$4,160/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$606,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,808
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,787
−HK$2,009/mo
Today · 4.125%
HK$77,796
baseline
▲ 0.50% · 4.625%
HK$81,896
+HK$4,100/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,592/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,153 · Scale 2, in force from 26 Feb 2026)