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$36,700
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,842
−HK$1,160/mo
Today · 4.125%
HK$39,002
baseline
▲ 0.50% · 4.625%
HK$41,375
+HK$2,373/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,004/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,829
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,924
−HK$1,110/mo
Today · 4.125%
HK$43,034
baseline
▲ 0.50% · 4.625%
HK$45,303
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,068/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,040
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,410
−HK$1,392/mo
Today · 4.125%
HK$46,802
baseline
▲ 0.50% · 4.625%
HK$49,650
+HK$2,848/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,604/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,994
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,308
−HK$1,333/mo
Today · 4.125%
HK$51,641
baseline
▲ 0.50% · 4.625%
HK$54,363
+HK$2,722/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,282/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,380
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,979
−HK$1,623/mo
Today · 4.125%
HK$54,602
baseline
▲ 0.50% · 4.625%
HK$57,925
+HK$3,323/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,204/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,160
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,693
−HK$1,555/mo
Today · 4.125%
HK$60,248
baseline
▲ 0.50% · 4.625%
HK$63,424
+HK$3,176/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,496/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,060
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,115
−HK$2,088/mo
Today · 4.125%
HK$70,203
baseline
▲ 0.50% · 4.625%
HK$74,475
+HK$4,272/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,406/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,492
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,463
−HK$1,999/mo
Today · 4.125%
HK$77,462
baseline
▲ 0.50% · 4.625%
HK$81,545
+HK$4,083/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,924/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,555 · Scale 2, in force from 26 Feb 2026)