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$36,690
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,832
−HK$1,159/mo
Today · 4.125%
HK$38,991
baseline
▲ 0.50% · 4.625%
HK$41,364
+HK$2,373/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$77,982/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,818
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,912
−HK$1,111/mo
Today · 4.125%
HK$43,023
baseline
▲ 0.50% · 4.625%
HK$45,291
+HK$2,268/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,046/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,028
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,398
−HK$1,391/mo
Today · 4.125%
HK$46,789
baseline
▲ 0.50% · 4.625%
HK$49,636
+HK$2,847/mo
Deposit HK$6.44M · loan HK$9.65M · min. income ≈ HK$93,578/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,981
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,295
−HK$1,333/mo
Today · 4.125%
HK$51,628
baseline
▲ 0.50% · 4.625%
HK$54,349
+HK$2,721/mo
Deposit HK$6.44M · loan HK$9.65M · min. income ≈ HK$103,256/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,367
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,964
−HK$1,624/mo
Today · 4.125%
HK$54,588
baseline
▲ 0.50% · 4.625%
HK$57,909
+HK$3,321/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,176/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,145
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,677
−HK$1,555/mo
Today · 4.125%
HK$60,232
baseline
▲ 0.50% · 4.625%
HK$63,407
+HK$3,175/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,464/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,043
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,097
−HK$2,087/mo
Today · 4.125%
HK$70,184
baseline
▲ 0.50% · 4.625%
HK$74,455
+HK$4,271/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,368/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,472
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,442
−HK$1,999/mo
Today · 4.125%
HK$77,441
baseline
▲ 0.50% · 4.625%
HK$81,523
+HK$4,082/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,882/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,393 · Scale 2, in force from 26 Feb 2026)