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$36,692
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,833
−HK$1,159/mo
Today · 4.125%
HK$38,992
baseline
▲ 0.50% · 4.625%
HK$41,365
+HK$2,373/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$77,984/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,819
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,914
−HK$1,110/mo
Today · 4.125%
HK$43,024
baseline
▲ 0.50% · 4.625%
HK$45,292
+HK$2,268/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,048/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,030
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,399
−HK$1,392/mo
Today · 4.125%
HK$46,791
baseline
▲ 0.50% · 4.625%
HK$49,638
+HK$2,847/mo
Deposit HK$6.44M · loan HK$9.65M · min. income ≈ HK$93,582/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,983
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,296
−HK$1,333/mo
Today · 4.125%
HK$51,629
baseline
▲ 0.50% · 4.625%
HK$54,351
+HK$2,722/mo
Deposit HK$6.44M · loan HK$9.65M · min. income ≈ HK$103,258/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,368
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,966
−HK$1,623/mo
Today · 4.125%
HK$54,589
baseline
▲ 0.50% · 4.625%
HK$57,911
+HK$3,322/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,178/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,147
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,679
−HK$1,555/mo
Today · 4.125%
HK$60,234
baseline
▲ 0.50% · 4.625%
HK$63,409
+HK$3,175/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,468/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,045
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,099
−HK$2,087/mo
Today · 4.125%
HK$70,186
baseline
▲ 0.50% · 4.625%
HK$74,457
+HK$4,271/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,372/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,474
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,445
−HK$1,999/mo
Today · 4.125%
HK$77,444
baseline
▲ 0.50% · 4.625%
HK$81,526
+HK$4,082/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,888/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,412 · Scale 2, in force from 26 Feb 2026)