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$36,729
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,872
−HK$1,161/mo
Today · 4.125%
HK$39,033
baseline
▲ 0.50% · 4.625%
HK$41,408
+HK$2,375/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,066/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,861
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,957
−HK$1,112/mo
Today · 4.125%
HK$43,069
baseline
▲ 0.50% · 4.625%
HK$45,339
+HK$2,270/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,138/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,075
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,446
−HK$1,393/mo
Today · 4.125%
HK$46,839
baseline
▲ 0.50% · 4.625%
HK$49,689
+HK$2,850/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,678/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,033
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,348
−HK$1,334/mo
Today · 4.125%
HK$51,682
baseline
▲ 0.50% · 4.625%
HK$54,407
+HK$2,725/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,364/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,421
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,021
−HK$1,625/mo
Today · 4.125%
HK$54,646
baseline
▲ 0.50% · 4.625%
HK$57,971
+HK$3,325/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,292/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,206
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,740
−HK$1,556/mo
Today · 4.125%
HK$60,296
baseline
▲ 0.50% · 4.625%
HK$63,474
+HK$3,178/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,592/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,113
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,169
−HK$2,090/mo
Today · 4.125%
HK$70,259
baseline
▲ 0.50% · 4.625%
HK$74,534
+HK$4,275/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,518/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$604,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,550
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,523
−HK$2,001/mo
Today · 4.125%
HK$77,524
baseline
▲ 0.50% · 4.625%
HK$81,610
+HK$4,086/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,048/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$604,035 · Scale 2, in force from 26 Feb 2026)