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$36,751
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,894
−HK$1,161/mo
Today · 4.125%
HK$39,055
baseline
▲ 0.50% · 4.625%
HK$41,432
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,110/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,885
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,981
−HK$1,113/mo
Today · 4.125%
HK$43,094
baseline
▲ 0.50% · 4.625%
HK$45,365
+HK$2,271/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,188/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,101
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,473
−HK$1,393/mo
Today · 4.125%
HK$46,866
baseline
▲ 0.50% · 4.625%
HK$49,718
+HK$2,852/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,732/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,062
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,377
−HK$1,335/mo
Today · 4.125%
HK$51,712
baseline
▲ 0.50% · 4.625%
HK$54,438
+HK$2,726/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,424/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,451
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,051
−HK$1,626/mo
Today · 4.125%
HK$54,677
baseline
▲ 0.50% · 4.625%
HK$58,004
+HK$3,327/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$109,354/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,239
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,774
−HK$1,557/mo
Today · 4.125%
HK$60,331
baseline
▲ 0.50% · 4.625%
HK$63,511
+HK$3,180/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$120,662/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,151
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,209
−HK$2,090/mo
Today · 4.125%
HK$70,299
baseline
▲ 0.50% · 4.625%
HK$74,577
+HK$4,278/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,598/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,593
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,566
−HK$2,003/mo
Today · 4.125%
HK$77,569
baseline
▲ 0.50% · 4.625%
HK$81,657
+HK$4,088/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,138/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,384 · Scale 2, in force from 26 Feb 2026)