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$36,755
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,898
−HK$1,162/mo
Today · 4.125%
HK$39,060
baseline
▲ 0.50% · 4.625%
HK$41,437
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,120/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,890
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,986
−HK$1,113/mo
Today · 4.125%
HK$43,099
baseline
▲ 0.50% · 4.625%
HK$45,371
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,198/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,106
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,478
−HK$1,394/mo
Today · 4.125%
HK$46,872
baseline
▲ 0.50% · 4.625%
HK$49,724
+HK$2,852/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,744/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,068
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,384
−HK$1,335/mo
Today · 4.125%
HK$51,719
baseline
▲ 0.50% · 4.625%
HK$54,445
+HK$2,726/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,438/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,457
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,058
−HK$1,626/mo
Today · 4.125%
HK$54,684
baseline
▲ 0.50% · 4.625%
HK$58,011
+HK$3,327/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$109,368/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,246
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,781
−HK$1,558/mo
Today · 4.125%
HK$60,339
baseline
▲ 0.50% · 4.625%
HK$63,519
+HK$3,180/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$120,678/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,159
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,217
−HK$2,091/mo
Today · 4.125%
HK$70,308
baseline
▲ 0.50% · 4.625%
HK$74,586
+HK$4,278/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,616/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,602
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,576
−HK$2,002/mo
Today · 4.125%
HK$77,578
baseline
▲ 0.50% · 4.625%
HK$81,667
+HK$4,089/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,156/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,459 · Scale 2, in force from 26 Feb 2026)