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$36,817
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,962
−HK$1,163/mo
Today · 4.125%
HK$39,125
baseline
▲ 0.50% · 4.625%
HK$41,506
+HK$2,381/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,250/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,958
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,057
−HK$1,114/mo
Today · 4.125%
HK$43,171
baseline
▲ 0.50% · 4.625%
HK$45,447
+HK$2,276/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,342/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,180
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,554
−HK$1,397/mo
Today · 4.125%
HK$46,951
baseline
▲ 0.50% · 4.625%
HK$49,807
+HK$2,856/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,902/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,150
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,468
−HK$1,337/mo
Today · 4.125%
HK$51,805
baseline
▲ 0.50% · 4.625%
HK$54,536
+HK$2,731/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,610/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,543
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,147
−HK$1,629/mo
Today · 4.125%
HK$54,776
baseline
▲ 0.50% · 4.625%
HK$58,109
+HK$3,333/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,552/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,342
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,879
−HK$1,560/mo
Today · 4.125%
HK$60,439
baseline
▲ 0.50% · 4.625%
HK$63,625
+HK$3,186/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,878/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,270
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,331
−HK$2,095/mo
Today · 4.125%
HK$70,426
baseline
▲ 0.50% · 4.625%
HK$74,711
+HK$4,285/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,852/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,725
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,702
−HK$2,006/mo
Today · 4.125%
HK$77,708
baseline
▲ 0.50% · 4.625%
HK$81,804
+HK$4,096/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,416/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,470 · Scale 2, in force from 26 Feb 2026)