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$36,768
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,912
−HK$1,161/mo
Today · 4.125%
HK$39,073
baseline
▲ 0.50% · 4.625%
HK$41,451
+HK$2,378/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,146/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,904
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,001
−HK$1,113/mo
Today · 4.125%
HK$43,114
baseline
▲ 0.50% · 4.625%
HK$45,386
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,228/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,121
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,494
−HK$1,394/mo
Today · 4.125%
HK$46,888
baseline
▲ 0.50% · 4.625%
HK$49,741
+HK$2,853/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,776/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,085
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,401
−HK$1,335/mo
Today · 4.125%
HK$51,736
baseline
▲ 0.50% · 4.625%
HK$54,464
+HK$2,728/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,472/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,475
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,076
−HK$1,627/mo
Today · 4.125%
HK$54,703
baseline
▲ 0.50% · 4.625%
HK$58,031
+HK$3,328/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,406/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,265
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,801
−HK$1,558/mo
Today · 4.125%
HK$60,359
baseline
▲ 0.50% · 4.625%
HK$63,541
+HK$3,182/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,718/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,182
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,241
−HK$2,091/mo
Today · 4.125%
HK$70,332
baseline
▲ 0.50% · 4.625%
HK$74,612
+HK$4,280/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,664/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,627
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,602
−HK$2,003/mo
Today · 4.125%
HK$77,605
baseline
▲ 0.50% · 4.625%
HK$81,695
+HK$4,090/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,210/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,666 · Scale 2, in force from 26 Feb 2026)