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$36,870
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,017
−HK$1,165/mo
Today · 4.125%
HK$39,182
baseline
▲ 0.50% · 4.625%
HK$41,566
+HK$2,384/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,364/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,017
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,117
−HK$1,116/mo
Today · 4.125%
HK$43,233
baseline
▲ 0.50% · 4.625%
HK$45,512
+HK$2,279/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,466/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,244
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,620
−HK$1,398/mo
Today · 4.125%
HK$47,018
baseline
▲ 0.50% · 4.625%
HK$49,879
+HK$2,861/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,036/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,221
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,541
−HK$1,339/mo
Today · 4.125%
HK$51,880
baseline
▲ 0.50% · 4.625%
HK$54,615
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,760/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,618
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,223
−HK$1,631/mo
Today · 4.125%
HK$54,854
baseline
▲ 0.50% · 4.625%
HK$58,192
+HK$3,338/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,708/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,424
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,964
−HK$1,562/mo
Today · 4.125%
HK$60,526
baseline
▲ 0.50% · 4.625%
HK$63,717
+HK$3,191/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,052/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,365
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,430
−HK$2,097/mo
Today · 4.125%
HK$70,527
baseline
▲ 0.50% · 4.625%
HK$74,819
+HK$4,292/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,054/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,831
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,811
−HK$2,009/mo
Today · 4.125%
HK$77,820
baseline
▲ 0.50% · 4.625%
HK$81,922
+HK$4,102/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,640/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,342 · Scale 2, in force from 26 Feb 2026)