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$36,735
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,878
−HK$1,161/mo
Today · 4.125%
HK$39,039
baseline
▲ 0.50% · 4.625%
HK$41,414
+HK$2,375/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,078/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,867
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,963
−HK$1,112/mo
Today · 4.125%
HK$43,075
baseline
▲ 0.50% · 4.625%
HK$45,346
+HK$2,271/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,150/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,082
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,453
−HK$1,393/mo
Today · 4.125%
HK$46,846
baseline
▲ 0.50% · 4.625%
HK$49,697
+HK$2,851/mo
Deposit HK$6.44M · loan HK$9.67M · min. income ≈ HK$93,692/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,041
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,356
−HK$1,334/mo
Today · 4.125%
HK$51,690
baseline
▲ 0.50% · 4.625%
HK$54,415
+HK$2,725/mo
Deposit HK$6.44M · loan HK$9.67M · min. income ≈ HK$103,380/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,429
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,029
−HK$1,625/mo
Today · 4.125%
HK$54,654
baseline
▲ 0.50% · 4.625%
HK$57,980
+HK$3,326/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,308/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,214
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,749
−HK$1,556/mo
Today · 4.125%
HK$60,305
baseline
▲ 0.50% · 4.625%
HK$63,484
+HK$3,179/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,610/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,123
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,180
−HK$2,089/mo
Today · 4.125%
HK$70,269
baseline
▲ 0.50% · 4.625%
HK$74,545
+HK$4,276/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,538/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,561
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,534
−HK$2,001/mo
Today · 4.125%
HK$77,535
baseline
▲ 0.50% · 4.625%
HK$81,622
+HK$4,087/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,070/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,127 · Scale 2, in force from 26 Feb 2026)