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$36,812
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,957
−HK$1,164/mo
Today · 4.125%
HK$39,121
baseline
▲ 0.50% · 4.625%
HK$41,501
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,242/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,953
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,052
−HK$1,114/mo
Today · 4.125%
HK$43,166
baseline
▲ 0.50% · 4.625%
HK$45,441
+HK$2,275/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,332/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,175
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,549
−HK$1,396/mo
Today · 4.125%
HK$46,945
baseline
▲ 0.50% · 4.625%
HK$49,801
+HK$2,856/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,890/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,144
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,462
−HK$1,337/mo
Today · 4.125%
HK$51,799
baseline
▲ 0.50% · 4.625%
HK$54,529
+HK$2,730/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,598/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,537
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,140
−HK$1,629/mo
Today · 4.125%
HK$54,769
baseline
▲ 0.50% · 4.625%
HK$58,101
+HK$3,332/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,538/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,334
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,872
−HK$1,560/mo
Today · 4.125%
HK$60,432
baseline
▲ 0.50% · 4.625%
HK$63,618
+HK$3,186/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,864/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,262
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,323
−HK$2,094/mo
Today · 4.125%
HK$70,417
baseline
▲ 0.50% · 4.625%
HK$74,702
+HK$4,285/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,834/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,716
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,693
−HK$2,005/mo
Today · 4.125%
HK$77,698
baseline
▲ 0.50% · 4.625%
HK$81,794
+HK$4,096/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,396/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,396 · Scale 2, in force from 26 Feb 2026)