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$36,771
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,915
−HK$1,162/mo
Today · 4.125%
HK$39,077
baseline
▲ 0.50% · 4.625%
HK$41,455
+HK$2,378/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,154/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,908
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,005
−HK$1,113/mo
Today · 4.125%
HK$43,118
baseline
▲ 0.50% · 4.625%
HK$45,390
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,236/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,125
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,498
−HK$1,394/mo
Today · 4.125%
HK$46,892
baseline
▲ 0.50% · 4.625%
HK$49,746
+HK$2,854/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,784/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,089
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,406
−HK$1,335/mo
Today · 4.125%
HK$51,741
baseline
▲ 0.50% · 4.625%
HK$54,469
+HK$2,728/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,482/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,480
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,081
−HK$1,627/mo
Today · 4.125%
HK$54,708
baseline
▲ 0.50% · 4.625%
HK$58,037
+HK$3,329/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,416/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,271
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,806
−HK$1,559/mo
Today · 4.125%
HK$60,365
baseline
▲ 0.50% · 4.625%
HK$63,547
+HK$3,182/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,730/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,188
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,247
−HK$2,092/mo
Today · 4.125%
HK$70,339
baseline
▲ 0.50% · 4.625%
HK$74,619
+HK$4,280/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,678/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,634
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,608
−HK$2,004/mo
Today · 4.125%
HK$77,612
baseline
▲ 0.50% · 4.625%
HK$81,703
+HK$4,091/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,224/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,721 · Scale 2, in force from 26 Feb 2026)