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$36,893
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,040
−HK$1,166/mo
Today · 4.125%
HK$39,206
baseline
▲ 0.50% · 4.625%
HK$41,592
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,412/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,043
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,143
−HK$1,117/mo
Today · 4.125%
HK$43,260
baseline
▲ 0.50% · 4.625%
HK$45,540
+HK$2,280/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,520/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,271
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,648
−HK$1,399/mo
Today · 4.125%
HK$47,047
baseline
▲ 0.50% · 4.625%
HK$49,910
+HK$2,863/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,094/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,251
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,572
−HK$1,340/mo
Today · 4.125%
HK$51,912
baseline
▲ 0.50% · 4.625%
HK$54,648
+HK$2,736/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,824/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,650
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,256
−HK$1,632/mo
Today · 4.125%
HK$54,888
baseline
▲ 0.50% · 4.625%
HK$58,228
+HK$3,340/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$109,776/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,460
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$59,001
−HK$1,563/mo
Today · 4.125%
HK$60,564
baseline
▲ 0.50% · 4.625%
HK$63,756
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$121,128/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,407
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,472
−HK$2,099/mo
Today · 4.125%
HK$70,571
baseline
▲ 0.50% · 4.625%
HK$74,865
+HK$4,294/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,142/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,877
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,858
−HK$2,010/mo
Today · 4.125%
HK$77,868
baseline
▲ 0.50% · 4.625%
HK$81,972
+HK$4,104/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,736/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,717 · Scale 2, in force from 26 Feb 2026)