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$36,836
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,982
−HK$1,164/mo
Today · 4.125%
HK$39,146
baseline
▲ 0.50% · 4.625%
HK$41,528
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,292/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,980
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,079
−HK$1,115/mo
Today · 4.125%
HK$43,194
baseline
▲ 0.50% · 4.625%
HK$45,471
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,388/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,204
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,579
−HK$1,397/mo
Today · 4.125%
HK$46,976
baseline
▲ 0.50% · 4.625%
HK$49,834
+HK$2,858/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,952/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,176
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,495
−HK$1,338/mo
Today · 4.125%
HK$51,833
baseline
▲ 0.50% · 4.625%
HK$54,565
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,666/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,571
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,175
−HK$1,630/mo
Today · 4.125%
HK$54,805
baseline
▲ 0.50% · 4.625%
HK$58,140
+HK$3,335/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,610/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,372
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,911
−HK$1,561/mo
Today · 4.125%
HK$60,472
baseline
▲ 0.50% · 4.625%
HK$63,659
+HK$3,187/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,944/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,305
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,368
−HK$2,095/mo
Today · 4.125%
HK$70,463
baseline
▲ 0.50% · 4.625%
HK$74,751
+HK$4,288/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,926/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,764
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,742
−HK$2,007/mo
Today · 4.125%
HK$77,749
baseline
▲ 0.50% · 4.625%
HK$81,848
+HK$4,099/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,498/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,793 · Scale 2, in force from 26 Feb 2026)