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$36,722
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,865
−HK$1,160/mo
Today · 4.125%
HK$39,025
baseline
▲ 0.50% · 4.625%
HK$41,400
+HK$2,375/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,050/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,853
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,949
−HK$1,111/mo
Today · 4.125%
HK$43,060
baseline
▲ 0.50% · 4.625%
HK$45,330
+HK$2,270/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,120/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,067
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,437
−HK$1,393/mo
Today · 4.125%
HK$46,830
baseline
▲ 0.50% · 4.625%
HK$49,680
+HK$2,850/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,660/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,024
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,339
−HK$1,333/mo
Today · 4.125%
HK$51,672
baseline
▲ 0.50% · 4.625%
HK$54,396
+HK$2,724/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,344/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,411
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,010
−HK$1,625/mo
Today · 4.125%
HK$54,635
baseline
▲ 0.50% · 4.625%
HK$57,960
+HK$3,325/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,270/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,194
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,728
−HK$1,556/mo
Today · 4.125%
HK$60,284
baseline
▲ 0.50% · 4.625%
HK$63,462
+HK$3,178/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,568/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,100
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,156
−HK$2,089/mo
Today · 4.125%
HK$70,245
baseline
▲ 0.50% · 4.625%
HK$74,519
+HK$4,274/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,490/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,536
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,508
−HK$2,001/mo
Today · 4.125%
HK$77,509
baseline
▲ 0.50% · 4.625%
HK$81,594
+HK$4,085/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$155,018/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,917 · Scale 2, in force from 26 Feb 2026)