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$36,850
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,996
−HK$1,165/mo
Today · 4.125%
HK$39,161
baseline
▲ 0.50% · 4.625%
HK$41,544
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,322/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,995
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,095
−HK$1,115/mo
Today · 4.125%
HK$43,210
baseline
▲ 0.50% · 4.625%
HK$45,488
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,420/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,220
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,595
−HK$1,398/mo
Today · 4.125%
HK$46,993
baseline
▲ 0.50% · 4.625%
HK$49,852
+HK$2,859/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$93,986/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,194
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,514
−HK$1,338/mo
Today · 4.125%
HK$51,852
baseline
▲ 0.50% · 4.625%
HK$54,585
+HK$2,733/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$103,704/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,590
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,195
−HK$1,630/mo
Today · 4.125%
HK$54,825
baseline
▲ 0.50% · 4.625%
HK$58,161
+HK$3,336/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,650/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$606,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,393
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,933
−HK$1,561/mo
Today · 4.125%
HK$60,494
baseline
▲ 0.50% · 4.625%
HK$63,683
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,988/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$606,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,330
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,393
−HK$2,096/mo
Today · 4.125%
HK$70,489
baseline
▲ 0.50% · 4.625%
HK$74,779
+HK$4,290/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,978/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,791
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,770
−HK$2,008/mo
Today · 4.125%
HK$77,778
baseline
▲ 0.50% · 4.625%
HK$81,878
+HK$4,100/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,556/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,017 · Scale 2, in force from 26 Feb 2026)