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$36,754
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,897
−HK$1,162/mo
Today · 4.125%
HK$39,059
baseline
▲ 0.50% · 4.625%
HK$41,435
+HK$2,376/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,118/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,889
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,985
−HK$1,113/mo
Today · 4.125%
HK$43,098
baseline
▲ 0.50% · 4.625%
HK$45,369
+HK$2,271/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,196/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,105
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,477
−HK$1,394/mo
Today · 4.125%
HK$46,871
baseline
▲ 0.50% · 4.625%
HK$49,723
+HK$2,852/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,742/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,066
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,382
−HK$1,335/mo
Today · 4.125%
HK$51,717
baseline
▲ 0.50% · 4.625%
HK$54,443
+HK$2,726/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,434/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,456
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,056
−HK$1,626/mo
Today · 4.125%
HK$54,682
baseline
▲ 0.50% · 4.625%
HK$58,010
+HK$3,328/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$109,364/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,244
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,779
−HK$1,558/mo
Today · 4.125%
HK$60,337
baseline
▲ 0.50% · 4.625%
HK$63,517
+HK$3,180/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$120,674/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,157
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,215
−HK$2,091/mo
Today · 4.125%
HK$70,306
baseline
▲ 0.50% · 4.625%
HK$74,584
+HK$4,278/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,612/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,599
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,573
−HK$2,003/mo
Today · 4.125%
HK$77,576
baseline
▲ 0.50% · 4.625%
HK$81,665
+HK$4,089/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,152/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,440 · Scale 2, in force from 26 Feb 2026)