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$36,768
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,912
−HK$1,162/mo
Today · 4.125%
HK$39,074
baseline
▲ 0.50% · 4.625%
HK$41,452
+HK$2,378/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,148/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,904
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,001
−HK$1,113/mo
Today · 4.125%
HK$43,114
baseline
▲ 0.50% · 4.625%
HK$45,387
+HK$2,273/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,228/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,122
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,494
−HK$1,395/mo
Today · 4.125%
HK$46,889
baseline
▲ 0.50% · 4.625%
HK$49,742
+HK$2,853/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,778/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,085
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,402
−HK$1,335/mo
Today · 4.125%
HK$51,737
baseline
▲ 0.50% · 4.625%
HK$54,464
+HK$2,727/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,474/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,476
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,077
−HK$1,627/mo
Today · 4.125%
HK$54,704
baseline
▲ 0.50% · 4.625%
HK$58,032
+HK$3,328/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,408/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,266
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,802
−HK$1,558/mo
Today · 4.125%
HK$60,360
baseline
▲ 0.50% · 4.625%
HK$63,542
+HK$3,182/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,720/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,183
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,242
−HK$2,091/mo
Today · 4.125%
HK$70,333
baseline
▲ 0.50% · 4.625%
HK$74,613
+HK$4,280/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,666/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,628
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,603
−HK$2,003/mo
Today · 4.125%
HK$77,606
baseline
▲ 0.50% · 4.625%
HK$81,697
+HK$4,091/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,212/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,675 · Scale 2, in force from 26 Feb 2026)