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$36,688
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,830
−HK$1,159/mo
Today · 4.125%
HK$38,989
baseline
▲ 0.50% · 4.625%
HK$41,362
+HK$2,373/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,978/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,816
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,910
−HK$1,111/mo
Today · 4.125%
HK$43,021
baseline
▲ 0.50% · 4.625%
HK$45,288
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,042/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,026
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,396
−HK$1,391/mo
Today · 4.125%
HK$46,787
baseline
▲ 0.50% · 4.625%
HK$49,634
+HK$2,847/mo
Deposit HK$6.44M · loan HK$9.65M · min. income ≈ HK$93,574/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,979
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,292
−HK$1,333/mo
Today · 4.125%
HK$51,625
baseline
▲ 0.50% · 4.625%
HK$54,346
+HK$2,721/mo
Deposit HK$6.44M · loan HK$9.65M · min. income ≈ HK$103,250/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,364
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,962
−HK$1,623/mo
Today · 4.125%
HK$54,585
baseline
▲ 0.50% · 4.625%
HK$57,906
+HK$3,321/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,170/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,142
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,674
−HK$1,555/mo
Today · 4.125%
HK$60,229
baseline
▲ 0.50% · 4.625%
HK$63,404
+HK$3,175/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,458/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,039
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,093
−HK$2,087/mo
Today · 4.125%
HK$70,180
baseline
▲ 0.50% · 4.625%
HK$74,451
+HK$4,271/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,360/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,468
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,438
−HK$1,999/mo
Today · 4.125%
HK$77,437
baseline
▲ 0.50% · 4.625%
HK$81,519
+HK$4,082/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,874/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,361 · Scale 2, in force from 26 Feb 2026)