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$36,773
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,917
−HK$1,162/mo
Today · 4.125%
HK$39,079
baseline
▲ 0.50% · 4.625%
HK$41,457
+HK$2,378/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,158/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,909
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,007
−HK$1,113/mo
Today · 4.125%
HK$43,120
baseline
▲ 0.50% · 4.625%
HK$45,392
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,240/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,127
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,500
−HK$1,395/mo
Today · 4.125%
HK$46,895
baseline
▲ 0.50% · 4.625%
HK$49,748
+HK$2,853/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,790/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,091
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,408
−HK$1,336/mo
Today · 4.125%
HK$51,744
baseline
▲ 0.50% · 4.625%
HK$54,471
+HK$2,727/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,488/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,482
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,083
−HK$1,627/mo
Today · 4.125%
HK$54,710
baseline
▲ 0.50% · 4.625%
HK$58,039
+HK$3,329/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,420/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,273
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,809
−HK$1,558/mo
Today · 4.125%
HK$60,367
baseline
▲ 0.50% · 4.625%
HK$63,549
+HK$3,182/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,734/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,191
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,250
−HK$2,092/mo
Today · 4.125%
HK$70,342
baseline
▲ 0.50% · 4.625%
HK$74,622
+HK$4,280/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,684/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,637
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,612
−HK$2,003/mo
Today · 4.125%
HK$77,615
baseline
▲ 0.50% · 4.625%
HK$81,706
+HK$4,091/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,230/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,749 · Scale 2, in force from 26 Feb 2026)