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$36,620
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,759
−HK$1,157/mo
Today · 4.125%
HK$38,916
baseline
▲ 0.50% · 4.625%
HK$41,284
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,832/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,739
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,832
−HK$1,108/mo
Today · 4.125%
HK$42,940
baseline
▲ 0.50% · 4.625%
HK$45,203
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,880/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,944
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,310
−HK$1,389/mo
Today · 4.125%
HK$46,699
baseline
▲ 0.50% · 4.625%
HK$49,541
+HK$2,842/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$93,398/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,887
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,198
−HK$1,330/mo
Today · 4.125%
HK$51,528
baseline
▲ 0.50% · 4.625%
HK$54,244
+HK$2,716/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$103,056/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,267
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,862
−HK$1,620/mo
Today · 4.125%
HK$54,482
baseline
▲ 0.50% · 4.625%
HK$57,797
+HK$3,315/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,964/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,035
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,564
−HK$1,552/mo
Today · 4.125%
HK$60,116
baseline
▲ 0.50% · 4.625%
HK$63,285
+HK$3,169/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,232/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,915
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,966
−HK$2,083/mo
Today · 4.125%
HK$70,049
baseline
▲ 0.50% · 4.625%
HK$74,311
+HK$4,262/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,098/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,330
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,297
−HK$1,995/mo
Today · 4.125%
HK$77,292
baseline
▲ 0.50% · 4.625%
HK$81,366
+HK$4,074/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,584/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,229 · Scale 2, in force from 26 Feb 2026)