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$36,878
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,025
−HK$1,165/mo
Today · 4.125%
HK$39,190
baseline
▲ 0.50% · 4.625%
HK$41,575
+HK$2,385/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,380/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,026
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,126
−HK$1,117/mo
Today · 4.125%
HK$43,243
baseline
▲ 0.50% · 4.625%
HK$45,522
+HK$2,279/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,486/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,253
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,630
−HK$1,398/mo
Today · 4.125%
HK$47,028
baseline
▲ 0.50% · 4.625%
HK$49,890
+HK$2,862/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,056/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,231
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,552
−HK$1,339/mo
Today · 4.125%
HK$51,891
baseline
▲ 0.50% · 4.625%
HK$54,627
+HK$2,736/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,782/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,629
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,235
−HK$1,632/mo
Today · 4.125%
HK$54,867
baseline
▲ 0.50% · 4.625%
HK$58,205
+HK$3,338/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,734/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,437
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,977
−HK$1,563/mo
Today · 4.125%
HK$60,540
baseline
▲ 0.50% · 4.625%
HK$63,731
+HK$3,191/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,080/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,380
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,445
−HK$2,098/mo
Today · 4.125%
HK$70,543
baseline
▲ 0.50% · 4.625%
HK$74,835
+HK$4,292/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,086/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,847
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,828
−HK$2,009/mo
Today · 4.125%
HK$77,837
baseline
▲ 0.50% · 4.625%
HK$81,940
+HK$4,103/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,674/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,475 · Scale 2, in force from 26 Feb 2026)