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$36,668
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,808
−HK$1,159/mo
Today · 4.125%
HK$38,967
baseline
▲ 0.50% · 4.625%
HK$41,338
+HK$2,371/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,934/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,792
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,887
−HK$1,109/mo
Today · 4.125%
HK$42,996
baseline
▲ 0.50% · 4.625%
HK$45,263
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,992/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,001
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,370
−HK$1,391/mo
Today · 4.125%
HK$46,761
baseline
▲ 0.50% · 4.625%
HK$49,606
+HK$2,845/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,522/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,951
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,264
−HK$1,332/mo
Today · 4.125%
HK$51,596
baseline
▲ 0.50% · 4.625%
HK$54,315
+HK$2,719/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,192/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,335
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,932
−HK$1,622/mo
Today · 4.125%
HK$54,554
baseline
▲ 0.50% · 4.625%
HK$57,873
+HK$3,319/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$109,108/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,109
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,641
−HK$1,554/mo
Today · 4.125%
HK$60,195
baseline
▲ 0.50% · 4.625%
HK$63,368
+HK$3,173/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$120,390/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,002
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,055
−HK$2,086/mo
Today · 4.125%
HK$70,141
baseline
▲ 0.50% · 4.625%
HK$74,409
+HK$4,268/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,282/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,426
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,396
−HK$1,998/mo
Today · 4.125%
HK$77,394
baseline
▲ 0.50% · 4.625%
HK$81,473
+HK$4,079/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,788/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,021 · Scale 2, in force from 26 Feb 2026)