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$36,747
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,890
−HK$1,162/mo
Today · 4.125%
HK$39,052
baseline
▲ 0.50% · 4.625%
HK$41,428
+HK$2,376/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,104/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,881
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,977
−HK$1,113/mo
Today · 4.125%
HK$43,090
baseline
▲ 0.50% · 4.625%
HK$45,361
+HK$2,271/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,180/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,097
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,469
−HK$1,393/mo
Today · 4.125%
HK$46,862
baseline
▲ 0.50% · 4.625%
HK$49,714
+HK$2,852/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,724/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,057
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,373
−HK$1,335/mo
Today · 4.125%
HK$51,708
baseline
▲ 0.50% · 4.625%
HK$54,433
+HK$2,725/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,416/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,446
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,047
−HK$1,625/mo
Today · 4.125%
HK$54,672
baseline
▲ 0.50% · 4.625%
HK$57,999
+HK$3,327/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,344/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,234
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,768
−HK$1,558/mo
Today · 4.125%
HK$60,326
baseline
▲ 0.50% · 4.625%
HK$63,506
+HK$3,180/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,652/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,145
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,203
−HK$2,090/mo
Today · 4.125%
HK$70,293
baseline
▲ 0.50% · 4.625%
HK$74,570
+HK$4,277/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,586/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,586
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,559
−HK$2,003/mo
Today · 4.125%
HK$77,562
baseline
▲ 0.50% · 4.625%
HK$81,650
+HK$4,088/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,124/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,330 · Scale 2, in force from 26 Feb 2026)