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$36,888
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,036
−HK$1,165/mo
Today · 4.125%
HK$39,201
baseline
▲ 0.50% · 4.625%
HK$41,587
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,402/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,038
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,138
−HK$1,117/mo
Today · 4.125%
HK$43,255
baseline
▲ 0.50% · 4.625%
HK$45,535
+HK$2,280/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,510/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,266
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,643
−HK$1,399/mo
Today · 4.125%
HK$47,042
baseline
▲ 0.50% · 4.625%
HK$49,904
+HK$2,862/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,084/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,245
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,566
−HK$1,340/mo
Today · 4.125%
HK$51,906
baseline
▲ 0.50% · 4.625%
HK$54,642
+HK$2,736/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,812/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,643
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,250
−HK$1,632/mo
Today · 4.125%
HK$54,882
baseline
▲ 0.50% · 4.625%
HK$58,221
+HK$3,339/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,764/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,453
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,994
−HK$1,563/mo
Today · 4.125%
HK$60,557
baseline
▲ 0.50% · 4.625%
HK$63,749
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,114/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,399
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,464
−HK$2,098/mo
Today · 4.125%
HK$70,562
baseline
▲ 0.50% · 4.625%
HK$74,856
+HK$4,294/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,124/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,868
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,849
−HK$2,010/mo
Today · 4.125%
HK$77,859
baseline
▲ 0.50% · 4.625%
HK$81,963
+HK$4,104/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,718/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,644 · Scale 2, in force from 26 Feb 2026)