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$36,895
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,043
−HK$1,166/mo
Today · 4.125%
HK$39,209
baseline
▲ 0.50% · 4.625%
HK$41,595
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,418/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,046
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,146
−HK$1,117/mo
Today · 4.125%
HK$43,263
baseline
▲ 0.50% · 4.625%
HK$45,544
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,526/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,274
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,652
−HK$1,399/mo
Today · 4.125%
HK$47,051
baseline
▲ 0.50% · 4.625%
HK$49,914
+HK$2,863/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,102/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,255
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,576
−HK$1,340/mo
Today · 4.125%
HK$51,916
baseline
▲ 0.50% · 4.625%
HK$54,652
+HK$2,736/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,832/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,653
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,260
−HK$1,633/mo
Today · 4.125%
HK$54,893
baseline
▲ 0.50% · 4.625%
HK$58,233
+HK$3,340/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$109,786/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,464
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,005
−HK$1,564/mo
Today · 4.125%
HK$60,569
baseline
▲ 0.50% · 4.625%
HK$63,761
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$121,138/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,412
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,477
−HK$2,099/mo
Today · 4.125%
HK$70,576
baseline
▲ 0.50% · 4.625%
HK$74,871
+HK$4,295/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,152/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,882
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,864
−HK$2,010/mo
Today · 4.125%
HK$77,874
baseline
▲ 0.50% · 4.625%
HK$81,979
+HK$4,105/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,748/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,763 · Scale 2, in force from 26 Feb 2026)