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$36,906
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,054
−HK$1,166/mo
Today · 4.125%
HK$39,220
baseline
▲ 0.50% · 4.625%
HK$41,607
+HK$2,387/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,440/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,057
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,159
−HK$1,117/mo
Today · 4.125%
HK$43,276
baseline
▲ 0.50% · 4.625%
HK$45,557
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,552/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,287
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,665
−HK$1,399/mo
Today · 4.125%
HK$47,064
baseline
▲ 0.50% · 4.625%
HK$49,928
+HK$2,864/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,128/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,269
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,590
−HK$1,341/mo
Today · 4.125%
HK$51,931
baseline
▲ 0.50% · 4.625%
HK$54,668
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,862/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,668
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,275
−HK$1,633/mo
Today · 4.125%
HK$54,908
baseline
▲ 0.50% · 4.625%
HK$58,249
+HK$3,341/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,816/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,480
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,022
−HK$1,564/mo
Today · 4.125%
HK$60,586
baseline
▲ 0.50% · 4.625%
HK$63,779
+HK$3,193/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,172/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,431
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,497
−HK$2,099/mo
Today · 4.125%
HK$70,596
baseline
▲ 0.50% · 4.625%
HK$74,892
+HK$4,296/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,192/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,903
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,885
−HK$2,011/mo
Today · 4.125%
HK$77,896
baseline
▲ 0.50% · 4.625%
HK$82,002
+HK$4,106/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,792/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,937 · Scale 2, in force from 26 Feb 2026)