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$36,842
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,988
−HK$1,164/mo
Today · 4.125%
HK$39,152
baseline
▲ 0.50% · 4.625%
HK$41,535
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,304/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,986
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,086
−HK$1,115/mo
Today · 4.125%
HK$43,201
baseline
▲ 0.50% · 4.625%
HK$45,478
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,402/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,210
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,586
−HK$1,397/mo
Today · 4.125%
HK$46,983
baseline
▲ 0.50% · 4.625%
HK$49,841
+HK$2,858/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,966/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,184
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,503
−HK$1,338/mo
Today · 4.125%
HK$51,841
baseline
▲ 0.50% · 4.625%
HK$54,573
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,682/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,579
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,183
−HK$1,630/mo
Today · 4.125%
HK$54,813
baseline
▲ 0.50% · 4.625%
HK$58,148
+HK$3,335/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,626/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,381
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,920
−HK$1,561/mo
Today · 4.125%
HK$60,481
baseline
▲ 0.50% · 4.625%
HK$63,669
+HK$3,188/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,962/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,315
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,378
−HK$2,096/mo
Today · 4.125%
HK$70,474
baseline
▲ 0.50% · 4.625%
HK$74,762
+HK$4,288/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,948/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,775
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,754
−HK$2,007/mo
Today · 4.125%
HK$77,761
baseline
▲ 0.50% · 4.625%
HK$81,860
+HK$4,099/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,522/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,885 · Scale 2, in force from 26 Feb 2026)