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$36,798
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,942
−HK$1,163/mo
Today · 4.125%
HK$39,105
baseline
▲ 0.50% · 4.625%
HK$41,485
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,210/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,937
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,035
−HK$1,114/mo
Today · 4.125%
HK$43,149
baseline
▲ 0.50% · 4.625%
HK$45,423
+HK$2,274/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,298/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,157
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,531
−HK$1,395/mo
Today · 4.125%
HK$46,926
baseline
▲ 0.50% · 4.625%
HK$49,782
+HK$2,856/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$93,852/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,124
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,442
−HK$1,337/mo
Today · 4.125%
HK$51,779
baseline
▲ 0.50% · 4.625%
HK$54,508
+HK$2,729/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$103,558/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,517
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,119
−HK$1,628/mo
Today · 4.125%
HK$54,747
baseline
▲ 0.50% · 4.625%
HK$58,079
+HK$3,332/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,494/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,312
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,849
−HK$1,559/mo
Today · 4.125%
HK$60,408
baseline
▲ 0.50% · 4.625%
HK$63,592
+HK$3,184/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,816/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,236
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,296
−HK$2,093/mo
Today · 4.125%
HK$70,389
baseline
▲ 0.50% · 4.625%
HK$74,672
+HK$4,283/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,778/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,687
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,663
−HK$2,005/mo
Today · 4.125%
HK$77,668
baseline
▲ 0.50% · 4.625%
HK$81,762
+HK$4,094/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,336/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,158 · Scale 2, in force from 26 Feb 2026)