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$36,914
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,062
−HK$1,167/mo
Today · 4.125%
HK$39,229
baseline
▲ 0.50% · 4.625%
HK$41,616
+HK$2,387/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,458/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,067
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,168
−HK$1,117/mo
Today · 4.125%
HK$43,285
baseline
▲ 0.50% · 4.625%
HK$45,567
+HK$2,282/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,570/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,297
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,675
−HK$1,400/mo
Today · 4.125%
HK$47,075
baseline
▲ 0.50% · 4.625%
HK$49,939
+HK$2,864/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$94,150/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,280
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,602
−HK$1,340/mo
Today · 4.125%
HK$51,942
baseline
▲ 0.50% · 4.625%
HK$54,680
+HK$2,738/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$103,884/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,680
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,287
−HK$1,634/mo
Today · 4.125%
HK$54,921
baseline
▲ 0.50% · 4.625%
HK$58,262
+HK$3,341/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,842/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,493
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,035
−HK$1,565/mo
Today · 4.125%
HK$60,600
baseline
▲ 0.50% · 4.625%
HK$63,794
+HK$3,194/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,200/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,446
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,512
−HK$2,100/mo
Today · 4.125%
HK$70,612
baseline
▲ 0.50% · 4.625%
HK$74,909
+HK$4,297/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,224/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,920
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,903
−HK$2,011/mo
Today · 4.125%
HK$77,914
baseline
▲ 0.50% · 4.625%
HK$82,021
+HK$4,107/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,828/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,074 · Scale 2, in force from 26 Feb 2026)