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$36,852
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,998
−HK$1,165/mo
Today · 4.125%
HK$39,163
baseline
▲ 0.50% · 4.625%
HK$41,546
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,326/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,998
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,097
−HK$1,116/mo
Today · 4.125%
HK$43,213
baseline
▲ 0.50% · 4.625%
HK$45,490
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,426/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,223
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,598
−HK$1,398/mo
Today · 4.125%
HK$46,996
baseline
▲ 0.50% · 4.625%
HK$49,855
+HK$2,859/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$93,992/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,197
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,517
−HK$1,338/mo
Today · 4.125%
HK$51,855
baseline
▲ 0.50% · 4.625%
HK$54,588
+HK$2,733/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$103,710/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,593
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,198
−HK$1,630/mo
Today · 4.125%
HK$54,828
baseline
▲ 0.50% · 4.625%
HK$58,165
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,656/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$606,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,397
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,936
−HK$1,562/mo
Today · 4.125%
HK$60,498
baseline
▲ 0.50% · 4.625%
HK$63,687
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,996/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$606,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,334
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,397
−HK$2,097/mo
Today · 4.125%
HK$70,494
baseline
▲ 0.50% · 4.625%
HK$74,783
+HK$4,289/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$140,988/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,796
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,775
−HK$2,008/mo
Today · 4.125%
HK$77,783
baseline
▲ 0.50% · 4.625%
HK$81,883
+HK$4,100/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,566/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,053 · Scale 2, in force from 26 Feb 2026)