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$36,796
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,940
−HK$1,163/mo
Today · 4.125%
HK$39,103
baseline
▲ 0.50% · 4.625%
HK$41,482
+HK$2,379/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,206/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,935
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,033
−HK$1,113/mo
Today · 4.125%
HK$43,146
baseline
▲ 0.50% · 4.625%
HK$45,421
+HK$2,275/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,292/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,155
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,528
−HK$1,396/mo
Today · 4.125%
HK$46,924
baseline
▲ 0.50% · 4.625%
HK$49,779
+HK$2,855/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,848/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,122
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,439
−HK$1,337/mo
Today · 4.125%
HK$51,776
baseline
▲ 0.50% · 4.625%
HK$54,505
+HK$2,729/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,552/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,514
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,116
−HK$1,628/mo
Today · 4.125%
HK$54,744
baseline
▲ 0.50% · 4.625%
HK$58,075
+HK$3,331/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,488/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,309
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,846
−HK$1,559/mo
Today · 4.125%
HK$60,405
baseline
▲ 0.50% · 4.625%
HK$63,589
+HK$3,184/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,810/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,232
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,293
−HK$2,093/mo
Today · 4.125%
HK$70,386
baseline
▲ 0.50% · 4.625%
HK$74,668
+HK$4,282/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,772/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,683
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,659
−HK$2,005/mo
Today · 4.125%
HK$77,664
baseline
▲ 0.50% · 4.625%
HK$81,757
+HK$4,093/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,328/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,126 · Scale 2, in force from 26 Feb 2026)