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$36,884
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,031
−HK$1,166/mo
Today · 4.125%
HK$39,197
baseline
▲ 0.50% · 4.625%
HK$41,582
+HK$2,385/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,394/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,033
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,133
−HK$1,117/mo
Today · 4.125%
HK$43,250
baseline
▲ 0.50% · 4.625%
HK$45,530
+HK$2,280/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,500/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,261
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,637
−HK$1,399/mo
Today · 4.125%
HK$47,036
baseline
▲ 0.50% · 4.625%
HK$49,898
+HK$2,862/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,072/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,239
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,560
−HK$1,340/mo
Today · 4.125%
HK$51,900
baseline
▲ 0.50% · 4.625%
HK$54,635
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,800/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,637
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,244
−HK$1,631/mo
Today · 4.125%
HK$54,875
baseline
▲ 0.50% · 4.625%
HK$58,215
+HK$3,340/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,750/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,446
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,987
−HK$1,563/mo
Today · 4.125%
HK$60,550
baseline
▲ 0.50% · 4.625%
HK$63,741
+HK$3,191/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,100/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,391
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,456
−HK$2,098/mo
Today · 4.125%
HK$70,554
baseline
▲ 0.50% · 4.625%
HK$74,847
+HK$4,293/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,108/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,859
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,840
−HK$2,010/mo
Today · 4.125%
HK$77,850
baseline
▲ 0.50% · 4.625%
HK$81,953
+HK$4,103/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,700/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,574 · Scale 2, in force from 26 Feb 2026)