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$36,763
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,906
−HK$1,162/mo
Today · 4.125%
HK$39,068
baseline
▲ 0.50% · 4.625%
HK$41,445
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,136/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,898
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,995
−HK$1,113/mo
Today · 4.125%
HK$43,108
baseline
▲ 0.50% · 4.625%
HK$45,380
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,216/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,115
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,488
−HK$1,394/mo
Today · 4.125%
HK$46,882
baseline
▲ 0.50% · 4.625%
HK$49,734
+HK$2,852/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,764/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,078
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,394
−HK$1,335/mo
Today · 4.125%
HK$51,729
baseline
▲ 0.50% · 4.625%
HK$54,456
+HK$2,727/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,458/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,468
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,069
−HK$1,626/mo
Today · 4.125%
HK$54,695
baseline
▲ 0.50% · 4.625%
HK$58,024
+HK$3,329/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,390/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,258
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,793
−HK$1,558/mo
Today · 4.125%
HK$60,351
baseline
▲ 0.50% · 4.625%
HK$63,532
+HK$3,181/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,702/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,173
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,231
−HK$2,092/mo
Today · 4.125%
HK$70,323
baseline
▲ 0.50% · 4.625%
HK$74,602
+HK$4,279/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,646/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,617
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,591
−HK$2,003/mo
Today · 4.125%
HK$77,594
baseline
▲ 0.50% · 4.625%
HK$81,684
+HK$4,090/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,188/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,584 · Scale 2, in force from 26 Feb 2026)