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$36,745
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,888
−HK$1,161/mo
Today · 4.125%
HK$39,049
baseline
▲ 0.50% · 4.625%
HK$41,425
+HK$2,376/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,098/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,878
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,974
−HK$1,113/mo
Today · 4.125%
HK$43,087
baseline
▲ 0.50% · 4.625%
HK$45,358
+HK$2,271/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,174/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,094
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,465
−HK$1,394/mo
Today · 4.125%
HK$46,859
baseline
▲ 0.50% · 4.625%
HK$49,710
+HK$2,851/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,718/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,054
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,369
−HK$1,335/mo
Today · 4.125%
HK$51,704
baseline
▲ 0.50% · 4.625%
HK$54,429
+HK$2,725/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,408/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,443
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,043
−HK$1,625/mo
Today · 4.125%
HK$54,668
baseline
▲ 0.50% · 4.625%
HK$57,995
+HK$3,327/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,336/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,229
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,764
−HK$1,557/mo
Today · 4.125%
HK$60,321
baseline
▲ 0.50% · 4.625%
HK$63,501
+HK$3,180/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,642/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,140
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,198
−HK$2,090/mo
Today · 4.125%
HK$70,288
baseline
▲ 0.50% · 4.625%
HK$74,565
+HK$4,277/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,576/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,581
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,554
−HK$2,002/mo
Today · 4.125%
HK$77,556
baseline
▲ 0.50% · 4.625%
HK$81,644
+HK$4,088/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,112/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,286 · Scale 2, in force from 26 Feb 2026)