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$36,710
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,852
−HK$1,160/mo
Today · 4.125%
HK$39,012
baseline
▲ 0.50% · 4.625%
HK$41,386
+HK$2,374/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,024/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,840
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,935
−HK$1,111/mo
Today · 4.125%
HK$43,046
baseline
▲ 0.50% · 4.625%
HK$45,315
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,092/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,052
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,422
−HK$1,392/mo
Today · 4.125%
HK$46,814
baseline
▲ 0.50% · 4.625%
HK$49,663
+HK$2,849/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,628/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,007
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,322
−HK$1,333/mo
Today · 4.125%
HK$51,655
baseline
▲ 0.50% · 4.625%
HK$54,378
+HK$2,723/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,310/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,394
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,993
−HK$1,624/mo
Today · 4.125%
HK$54,617
baseline
▲ 0.50% · 4.625%
HK$57,940
+HK$3,323/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,234/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,175
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,709
−HK$1,555/mo
Today · 4.125%
HK$60,264
baseline
▲ 0.50% · 4.625%
HK$63,441
+HK$3,177/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,528/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,078
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,133
−HK$2,089/mo
Today · 4.125%
HK$70,222
baseline
▲ 0.50% · 4.625%
HK$74,494
+HK$4,272/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,444/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,511
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,483
−HK$2,000/mo
Today · 4.125%
HK$77,483
baseline
▲ 0.50% · 4.625%
HK$81,567
+HK$4,084/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,966/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,715 · Scale 2, in force from 26 Feb 2026)