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$36,893
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,040
−HK$1,166/mo
Today · 4.125%
HK$39,206
baseline
▲ 0.50% · 4.625%
HK$41,592
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,412/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,043
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,144
−HK$1,116/mo
Today · 4.125%
HK$43,260
baseline
▲ 0.50% · 4.625%
HK$45,541
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,520/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,271
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,649
−HK$1,399/mo
Today · 4.125%
HK$47,048
baseline
▲ 0.50% · 4.625%
HK$49,910
+HK$2,862/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,096/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,252
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,572
−HK$1,340/mo
Today · 4.125%
HK$51,912
baseline
▲ 0.50% · 4.625%
HK$54,649
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,824/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,650
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,257
−HK$1,632/mo
Today · 4.125%
HK$54,889
baseline
▲ 0.50% · 4.625%
HK$58,229
+HK$3,340/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$109,778/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,460
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,001
−HK$1,564/mo
Today · 4.125%
HK$60,565
baseline
▲ 0.50% · 4.625%
HK$63,757
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$121,130/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,407
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,473
−HK$2,098/mo
Today · 4.125%
HK$70,571
baseline
▲ 0.50% · 4.625%
HK$74,866
+HK$4,295/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,142/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,877
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,859
−HK$2,010/mo
Today · 4.125%
HK$77,869
baseline
▲ 0.50% · 4.625%
HK$81,973
+HK$4,104/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,738/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,723 · Scale 2, in force from 26 Feb 2026)