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$36,881
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,028
−HK$1,166/mo
Today · 4.125%
HK$39,194
baseline
▲ 0.50% · 4.625%
HK$41,579
+HK$2,385/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,388/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,030
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,130
−HK$1,117/mo
Today · 4.125%
HK$43,247
baseline
▲ 0.50% · 4.625%
HK$45,526
+HK$2,279/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,494/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,257
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,634
−HK$1,399/mo
Today · 4.125%
HK$47,033
baseline
▲ 0.50% · 4.625%
HK$49,894
+HK$2,861/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,066/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,236
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,556
−HK$1,340/mo
Today · 4.125%
HK$51,896
baseline
▲ 0.50% · 4.625%
HK$54,631
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,792/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,634
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,240
−HK$1,631/mo
Today · 4.125%
HK$54,871
baseline
▲ 0.50% · 4.625%
HK$58,210
+HK$3,339/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,742/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,442
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,982
−HK$1,563/mo
Today · 4.125%
HK$60,545
baseline
▲ 0.50% · 4.625%
HK$63,737
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,090/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,386
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,451
−HK$2,098/mo
Today · 4.125%
HK$70,549
baseline
▲ 0.50% · 4.625%
HK$74,842
+HK$4,293/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,098/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,854
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,834
−HK$2,010/mo
Today · 4.125%
HK$77,844
baseline
▲ 0.50% · 4.625%
HK$81,947
+HK$4,103/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,688/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,529 · Scale 2, in force from 26 Feb 2026)