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$36,695
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,836
−HK$1,160/mo
Today · 4.125%
HK$38,996
baseline
▲ 0.50% · 4.625%
HK$41,368
+HK$2,372/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$77,992/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,822
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,917
−HK$1,111/mo
Today · 4.125%
HK$43,028
baseline
▲ 0.50% · 4.625%
HK$45,296
+HK$2,268/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,056/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,033
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,403
−HK$1,392/mo
Today · 4.125%
HK$46,795
baseline
▲ 0.50% · 4.625%
HK$49,642
+HK$2,847/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,590/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,987
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,301
−HK$1,332/mo
Today · 4.125%
HK$51,633
baseline
▲ 0.50% · 4.625%
HK$54,355
+HK$2,722/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,266/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,372
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,970
−HK$1,624/mo
Today · 4.125%
HK$54,594
baseline
▲ 0.50% · 4.625%
HK$57,916
+HK$3,322/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,188/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,151
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,684
−HK$1,555/mo
Today · 4.125%
HK$60,239
baseline
▲ 0.50% · 4.625%
HK$63,414
+HK$3,175/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,478/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,050
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,105
−HK$2,087/mo
Today · 4.125%
HK$70,192
baseline
▲ 0.50% · 4.625%
HK$74,463
+HK$4,271/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,384/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,480
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,451
−HK$1,999/mo
Today · 4.125%
HK$77,450
baseline
▲ 0.50% · 4.625%
HK$81,532
+HK$4,082/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,900/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,461 · Scale 2, in force from 26 Feb 2026)