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$36,714
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,856
−HK$1,161/mo
Today · 4.125%
HK$39,017
baseline
▲ 0.50% · 4.625%
HK$41,391
+HK$2,374/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,034/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,844
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,940
−HK$1,111/mo
Today · 4.125%
HK$43,051
baseline
▲ 0.50% · 4.625%
HK$45,320
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,102/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,057
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,428
−HK$1,392/mo
Today · 4.125%
HK$46,820
baseline
▲ 0.50% · 4.625%
HK$49,669
+HK$2,849/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,640/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,013
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,328
−HK$1,333/mo
Today · 4.125%
HK$51,661
baseline
▲ 0.50% · 4.625%
HK$54,385
+HK$2,724/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,322/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,400
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,999
−HK$1,624/mo
Today · 4.125%
HK$54,623
baseline
▲ 0.50% · 4.625%
HK$57,947
+HK$3,324/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,246/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,182
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,716
−HK$1,556/mo
Today · 4.125%
HK$60,272
baseline
▲ 0.50% · 4.625%
HK$63,449
+HK$3,177/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,544/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,086
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,142
−HK$2,088/mo
Today · 4.125%
HK$70,230
baseline
▲ 0.50% · 4.625%
HK$74,504
+HK$4,274/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,460/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,520
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,492
−HK$2,000/mo
Today · 4.125%
HK$77,492
baseline
▲ 0.50% · 4.625%
HK$81,577
+HK$4,085/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,984/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,789 · Scale 2, in force from 26 Feb 2026)