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$36,800
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,944
−HK$1,163/mo
Today · 4.125%
HK$39,107
baseline
▲ 0.50% · 4.625%
HK$41,487
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,214/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,939
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,037
−HK$1,114/mo
Today · 4.125%
HK$43,151
baseline
▲ 0.50% · 4.625%
HK$45,426
+HK$2,275/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,302/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,160
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,533
−HK$1,396/mo
Today · 4.125%
HK$46,929
baseline
▲ 0.50% · 4.625%
HK$49,784
+HK$2,855/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$93,858/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,127
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,445
−HK$1,336/mo
Today · 4.125%
HK$51,781
baseline
▲ 0.50% · 4.625%
HK$54,511
+HK$2,730/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$103,562/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,520
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,122
−HK$1,628/mo
Today · 4.125%
HK$54,750
baseline
▲ 0.50% · 4.625%
HK$58,082
+HK$3,332/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,500/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,315
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,852
−HK$1,560/mo
Today · 4.125%
HK$60,412
baseline
▲ 0.50% · 4.625%
HK$63,596
+HK$3,184/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,824/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,240
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,300
−HK$2,093/mo
Today · 4.125%
HK$70,393
baseline
▲ 0.50% · 4.625%
HK$74,677
+HK$4,284/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,786/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,691
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,667
−HK$2,005/mo
Today · 4.125%
HK$77,672
baseline
▲ 0.50% · 4.625%
HK$81,766
+HK$4,094/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,344/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,192 · Scale 2, in force from 26 Feb 2026)