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$36,682
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,823
−HK$1,160/mo
Today · 4.125%
HK$38,983
baseline
▲ 0.50% · 4.625%
HK$41,355
+HK$2,372/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,966/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,809
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,903
−HK$1,110/mo
Today · 4.125%
HK$43,013
baseline
▲ 0.50% · 4.625%
HK$45,281
+HK$2,268/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,026/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,019
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,388
−HK$1,391/mo
Today · 4.125%
HK$46,779
baseline
▲ 0.50% · 4.625%
HK$49,625
+HK$2,846/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,558/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,970
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,284
−HK$1,332/mo
Today · 4.125%
HK$51,616
baseline
▲ 0.50% · 4.625%
HK$54,337
+HK$2,721/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,232/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,355
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,953
−HK$1,623/mo
Today · 4.125%
HK$54,576
baseline
▲ 0.50% · 4.625%
HK$57,896
+HK$3,320/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,152/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,132
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,664
−HK$1,555/mo
Today · 4.125%
HK$60,219
baseline
▲ 0.50% · 4.625%
HK$63,393
+HK$3,174/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,438/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,028
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,082
−HK$2,087/mo
Today · 4.125%
HK$70,169
baseline
▲ 0.50% · 4.625%
HK$74,438
+HK$4,269/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,338/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,456
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,426
−HK$1,998/mo
Today · 4.125%
HK$77,424
baseline
▲ 0.50% · 4.625%
HK$81,505
+HK$4,081/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,848/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,260 · Scale 2, in force from 26 Feb 2026)