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$36,726
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,868
−HK$1,161/mo
Today · 4.125%
HK$39,029
baseline
▲ 0.50% · 4.625%
HK$41,404
+HK$2,375/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,058/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,857
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,953
−HK$1,111/mo
Today · 4.125%
HK$43,064
baseline
▲ 0.50% · 4.625%
HK$45,334
+HK$2,270/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,128/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,071
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,442
−HK$1,392/mo
Today · 4.125%
HK$46,834
baseline
▲ 0.50% · 4.625%
HK$49,684
+HK$2,850/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,668/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,028
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,343
−HK$1,334/mo
Today · 4.125%
HK$51,677
baseline
▲ 0.50% · 4.625%
HK$54,401
+HK$2,724/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,354/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,416
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,015
−HK$1,625/mo
Today · 4.125%
HK$54,640
baseline
▲ 0.50% · 4.625%
HK$57,965
+HK$3,325/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,280/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,200
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,734
−HK$1,556/mo
Today · 4.125%
HK$60,290
baseline
▲ 0.50% · 4.625%
HK$63,468
+HK$3,178/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,580/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,106
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,163
−HK$2,089/mo
Today · 4.125%
HK$70,252
baseline
▲ 0.50% · 4.625%
HK$74,526
+HK$4,274/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,504/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,543
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,515
−HK$2,001/mo
Today · 4.125%
HK$77,516
baseline
▲ 0.50% · 4.625%
HK$81,602
+HK$4,086/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,032/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,974 · Scale 2, in force from 26 Feb 2026)