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$36,803
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,948
−HK$1,163/mo
Today · 4.125%
HK$39,111
baseline
▲ 0.50% · 4.625%
HK$41,491
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,222/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,943
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,041
−HK$1,114/mo
Today · 4.125%
HK$43,155
baseline
▲ 0.50% · 4.625%
HK$45,430
+HK$2,275/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,310/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,164
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,537
−HK$1,396/mo
Today · 4.125%
HK$46,933
baseline
▲ 0.50% · 4.625%
HK$49,789
+HK$2,856/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$93,866/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,131
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,449
−HK$1,337/mo
Today · 4.125%
HK$51,786
baseline
▲ 0.50% · 4.625%
HK$54,516
+HK$2,730/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$103,572/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,524
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,127
−HK$1,628/mo
Today · 4.125%
HK$54,755
baseline
▲ 0.50% · 4.625%
HK$58,087
+HK$3,332/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,510/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,320
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,857
−HK$1,560/mo
Today · 4.125%
HK$60,417
baseline
▲ 0.50% · 4.625%
HK$63,602
+HK$3,185/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,834/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,245
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,306
−HK$2,093/mo
Today · 4.125%
HK$70,399
baseline
▲ 0.50% · 4.625%
HK$74,683
+HK$4,284/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,798/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,697
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,674
−HK$2,005/mo
Today · 4.125%
HK$77,679
baseline
▲ 0.50% · 4.625%
HK$81,773
+HK$4,094/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,358/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,244 · Scale 2, in force from 26 Feb 2026)