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$36,815
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,960
−HK$1,164/mo
Today · 4.125%
HK$39,124
baseline
▲ 0.50% · 4.625%
HK$41,504
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,248/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,956
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,055
−HK$1,114/mo
Today · 4.125%
HK$43,169
baseline
▲ 0.50% · 4.625%
HK$45,445
+HK$2,276/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,338/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,178
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,552
−HK$1,396/mo
Today · 4.125%
HK$46,948
baseline
▲ 0.50% · 4.625%
HK$49,805
+HK$2,857/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,896/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,148
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,466
−HK$1,337/mo
Today · 4.125%
HK$51,803
baseline
▲ 0.50% · 4.625%
HK$54,534
+HK$2,731/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,606/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,541
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,144
−HK$1,629/mo
Today · 4.125%
HK$54,773
baseline
▲ 0.50% · 4.625%
HK$58,106
+HK$3,333/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,546/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,339
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,877
−HK$1,560/mo
Today · 4.125%
HK$60,437
baseline
▲ 0.50% · 4.625%
HK$63,623
+HK$3,186/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,874/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,267
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,328
−HK$2,095/mo
Today · 4.125%
HK$70,423
baseline
▲ 0.50% · 4.625%
HK$74,708
+HK$4,285/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,846/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,722
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,699
−HK$2,005/mo
Today · 4.125%
HK$77,704
baseline
▲ 0.50% · 4.625%
HK$81,800
+HK$4,096/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,408/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,444 · Scale 2, in force from 26 Feb 2026)