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$36,725
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,867
−HK$1,161/mo
Today · 4.125%
HK$39,028
baseline
▲ 0.50% · 4.625%
HK$41,403
+HK$2,375/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,056/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,856
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,952
−HK$1,112/mo
Today · 4.125%
HK$43,064
baseline
▲ 0.50% · 4.625%
HK$45,334
+HK$2,270/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,128/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,070
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,441
−HK$1,393/mo
Today · 4.125%
HK$46,834
baseline
▲ 0.50% · 4.625%
HK$49,683
+HK$2,849/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,668/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,028
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,342
−HK$1,334/mo
Today · 4.125%
HK$51,676
baseline
▲ 0.50% · 4.625%
HK$54,400
+HK$2,724/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,352/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,415
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,014
−HK$1,625/mo
Today · 4.125%
HK$54,639
baseline
▲ 0.50% · 4.625%
HK$57,964
+HK$3,325/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,278/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,199
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,733
−HK$1,556/mo
Today · 4.125%
HK$60,289
baseline
▲ 0.50% · 4.625%
HK$63,467
+HK$3,178/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,578/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,105
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,161
−HK$2,090/mo
Today · 4.125%
HK$70,251
baseline
▲ 0.50% · 4.625%
HK$74,525
+HK$4,274/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,502/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,541
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,514
−HK$2,001/mo
Today · 4.125%
HK$77,515
baseline
▲ 0.50% · 4.625%
HK$81,600
+HK$4,085/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,030/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,964 · Scale 2, in force from 26 Feb 2026)