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$36,770
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,914
−HK$1,162/mo
Today · 4.125%
HK$39,076
baseline
▲ 0.50% · 4.625%
HK$41,454
+HK$2,378/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,152/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,906
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,003
−HK$1,113/mo
Today · 4.125%
HK$43,116
baseline
▲ 0.50% · 4.625%
HK$45,389
+HK$2,273/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,232/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,124
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,497
−HK$1,394/mo
Today · 4.125%
HK$46,891
baseline
▲ 0.50% · 4.625%
HK$49,744
+HK$2,853/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,782/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,088
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,404
−HK$1,336/mo
Today · 4.125%
HK$51,740
baseline
▲ 0.50% · 4.625%
HK$54,467
+HK$2,727/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,480/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,478
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,079
−HK$1,627/mo
Today · 4.125%
HK$54,706
baseline
▲ 0.50% · 4.625%
HK$58,035
+HK$3,329/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,412/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,269
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,805
−HK$1,558/mo
Today · 4.125%
HK$60,363
baseline
▲ 0.50% · 4.625%
HK$63,545
+HK$3,182/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,726/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,186
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,245
−HK$2,091/mo
Today · 4.125%
HK$70,336
baseline
▲ 0.50% · 4.625%
HK$74,616
+HK$4,280/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,672/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,631
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,606
−HK$2,003/mo
Today · 4.125%
HK$77,609
baseline
▲ 0.50% · 4.625%
HK$81,700
+HK$4,091/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,218/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,703 · Scale 2, in force from 26 Feb 2026)