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$36,829
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,974
−HK$1,164/mo
Today · 4.125%
HK$39,138
baseline
▲ 0.50% · 4.625%
HK$41,520
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,276/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,971
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,070
−HK$1,115/mo
Today · 4.125%
HK$43,185
baseline
▲ 0.50% · 4.625%
HK$45,461
+HK$2,276/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,370/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,194
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,569
−HK$1,397/mo
Today · 4.125%
HK$46,966
baseline
▲ 0.50% · 4.625%
HK$49,823
+HK$2,857/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,932/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,166
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,484
−HK$1,338/mo
Today · 4.125%
HK$51,822
baseline
▲ 0.50% · 4.625%
HK$54,554
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,644/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,560
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,164
−HK$1,629/mo
Today · 4.125%
HK$54,793
baseline
▲ 0.50% · 4.625%
HK$58,127
+HK$3,334/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,586/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,360
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,898
−HK$1,561/mo
Today · 4.125%
HK$60,459
baseline
▲ 0.50% · 4.625%
HK$63,646
+HK$3,187/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,918/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,291
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,353
−HK$2,096/mo
Today · 4.125%
HK$70,449
baseline
▲ 0.50% · 4.625%
HK$74,735
+HK$4,286/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,898/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,749
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,726
−HK$2,007/mo
Today · 4.125%
HK$77,733
baseline
▲ 0.50% · 4.625%
HK$81,830
+HK$4,097/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,466/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,666 · Scale 2, in force from 26 Feb 2026)