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$36,804
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,948
−HK$1,164/mo
Today · 4.125%
HK$39,112
baseline
▲ 0.50% · 4.625%
HK$41,491
+HK$2,379/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,224/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,944
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,042
−HK$1,114/mo
Today · 4.125%
HK$43,156
baseline
▲ 0.50% · 4.625%
HK$45,430
+HK$2,274/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,312/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,164
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,538
−HK$1,396/mo
Today · 4.125%
HK$46,934
baseline
▲ 0.50% · 4.625%
HK$49,790
+HK$2,856/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$93,868/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,132
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,450
−HK$1,337/mo
Today · 4.125%
HK$51,787
baseline
▲ 0.50% · 4.625%
HK$54,517
+HK$2,730/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$103,574/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,525
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,128
−HK$1,628/mo
Today · 4.125%
HK$54,756
baseline
▲ 0.50% · 4.625%
HK$58,088
+HK$3,332/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,512/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,321
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,858
−HK$1,560/mo
Today · 4.125%
HK$60,418
baseline
▲ 0.50% · 4.625%
HK$63,603
+HK$3,185/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,836/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,246
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,307
−HK$2,094/mo
Today · 4.125%
HK$70,401
baseline
▲ 0.50% · 4.625%
HK$74,684
+HK$4,283/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,802/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,699
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,675
−HK$2,005/mo
Today · 4.125%
HK$77,680
baseline
▲ 0.50% · 4.625%
HK$81,775
+HK$4,095/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,360/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,255 · Scale 2, in force from 26 Feb 2026)