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$36,905
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,053
−HK$1,166/mo
Today · 4.125%
HK$39,219
baseline
▲ 0.50% · 4.625%
HK$41,606
+HK$2,387/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,438/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,056
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,158
−HK$1,117/mo
Today · 4.125%
HK$43,275
baseline
▲ 0.50% · 4.625%
HK$45,556
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,550/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,286
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,664
−HK$1,399/mo
Today · 4.125%
HK$47,063
baseline
▲ 0.50% · 4.625%
HK$49,927
+HK$2,864/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,126/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,268
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,589
−HK$1,340/mo
Today · 4.125%
HK$51,929
baseline
▲ 0.50% · 4.625%
HK$54,667
+HK$2,738/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,858/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,667
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,274
−HK$1,633/mo
Today · 4.125%
HK$54,907
baseline
▲ 0.50% · 4.625%
HK$58,248
+HK$3,341/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,814/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,479
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,021
−HK$1,563/mo
Today · 4.125%
HK$60,584
baseline
▲ 0.50% · 4.625%
HK$63,778
+HK$3,194/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,168/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,429
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,495
−HK$2,100/mo
Today · 4.125%
HK$70,595
baseline
▲ 0.50% · 4.625%
HK$74,890
+HK$4,295/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,190/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,902
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,884
−HK$2,010/mo
Today · 4.125%
HK$77,894
baseline
▲ 0.50% · 4.625%
HK$82,000
+HK$4,106/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,788/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,922 · Scale 2, in force from 26 Feb 2026)