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$36,685
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,826
−HK$1,160/mo
Today · 4.125%
HK$38,986
baseline
▲ 0.50% · 4.625%
HK$41,358
+HK$2,372/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,972/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,812
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,906
−HK$1,111/mo
Today · 4.125%
HK$43,017
baseline
▲ 0.50% · 4.625%
HK$45,284
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,034/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,022
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,391
−HK$1,392/mo
Today · 4.125%
HK$46,783
baseline
▲ 0.50% · 4.625%
HK$49,629
+HK$2,846/mo
Deposit HK$6.44M · loan HK$9.65M · min. income ≈ HK$93,566/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,974
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,288
−HK$1,332/mo
Today · 4.125%
HK$51,620
baseline
▲ 0.50% · 4.625%
HK$54,341
+HK$2,721/mo
Deposit HK$6.44M · loan HK$9.65M · min. income ≈ HK$103,240/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,359
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,957
−HK$1,623/mo
Today · 4.125%
HK$54,580
baseline
▲ 0.50% · 4.625%
HK$57,901
+HK$3,321/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,160/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,136
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,669
−HK$1,554/mo
Today · 4.125%
HK$60,223
baseline
▲ 0.50% · 4.625%
HK$63,398
+HK$3,175/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,446/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,033
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,087
−HK$2,087/mo
Today · 4.125%
HK$70,174
baseline
▲ 0.50% · 4.625%
HK$74,444
+HK$4,270/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,348/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,461
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,431
−HK$1,999/mo
Today · 4.125%
HK$77,430
baseline
▲ 0.50% · 4.625%
HK$81,512
+HK$4,082/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,860/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,306 · Scale 2, in force from 26 Feb 2026)