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$36,860
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,007
−HK$1,164/mo
Today · 4.125%
HK$39,171
baseline
▲ 0.50% · 4.625%
HK$41,555
+HK$2,384/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,342/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,006
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,106
−HK$1,116/mo
Today · 4.125%
HK$43,222
baseline
▲ 0.50% · 4.625%
HK$45,500
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,444/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,232
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,608
−HK$1,398/mo
Today · 4.125%
HK$47,006
baseline
▲ 0.50% · 4.625%
HK$49,866
+HK$2,860/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,012/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,208
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,527
−HK$1,339/mo
Today · 4.125%
HK$51,866
baseline
▲ 0.50% · 4.625%
HK$54,600
+HK$2,734/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,732/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,604
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,209
−HK$1,631/mo
Today · 4.125%
HK$54,840
baseline
▲ 0.50% · 4.625%
HK$58,177
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,680/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,409
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,949
−HK$1,562/mo
Today · 4.125%
HK$60,511
baseline
▲ 0.50% · 4.625%
HK$63,700
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,022/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,348
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,412
−HK$2,097/mo
Today · 4.125%
HK$70,509
baseline
▲ 0.50% · 4.625%
HK$74,799
+HK$4,290/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,018/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,812
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,791
−HK$2,008/mo
Today · 4.125%
HK$77,799
baseline
▲ 0.50% · 4.625%
HK$81,900
+HK$4,101/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,598/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,183 · Scale 2, in force from 26 Feb 2026)