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$36,913
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,062
−HK$1,166/mo
Today · 4.125%
HK$39,228
baseline
▲ 0.50% · 4.625%
HK$41,615
+HK$2,387/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,456/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,066
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,167
−HK$1,117/mo
Today · 4.125%
HK$43,284
baseline
▲ 0.50% · 4.625%
HK$45,566
+HK$2,282/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,568/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,296
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,674
−HK$1,400/mo
Today · 4.125%
HK$47,074
baseline
▲ 0.50% · 4.625%
HK$49,938
+HK$2,864/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$94,148/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,279
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,601
−HK$1,340/mo
Today · 4.125%
HK$51,941
baseline
▲ 0.50% · 4.625%
HK$54,679
+HK$2,738/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$103,882/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,679
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,286
−HK$1,633/mo
Today · 4.125%
HK$54,919
baseline
▲ 0.50% · 4.625%
HK$58,261
+HK$3,342/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,838/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,492
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,034
−HK$1,564/mo
Today · 4.125%
HK$60,598
baseline
▲ 0.50% · 4.625%
HK$63,792
+HK$3,194/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,196/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,444
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,511
−HK$2,100/mo
Today · 4.125%
HK$70,611
baseline
▲ 0.50% · 4.625%
HK$74,907
+HK$4,296/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,222/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,918
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,901
−HK$2,011/mo
Today · 4.125%
HK$77,912
baseline
▲ 0.50% · 4.625%
HK$82,019
+HK$4,107/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,824/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,060 · Scale 2, in force from 26 Feb 2026)