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$36,804
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,949
−HK$1,163/mo
Today · 4.125%
HK$39,112
baseline
▲ 0.50% · 4.625%
HK$41,492
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,224/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,944
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,042
−HK$1,114/mo
Today · 4.125%
HK$43,156
baseline
▲ 0.50% · 4.625%
HK$45,431
+HK$2,275/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,312/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,165
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,539
−HK$1,395/mo
Today · 4.125%
HK$46,934
baseline
▲ 0.50% · 4.625%
HK$49,790
+HK$2,856/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$93,868/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,133
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,451
−HK$1,337/mo
Today · 4.125%
HK$51,788
baseline
▲ 0.50% · 4.625%
HK$54,517
+HK$2,729/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$103,576/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,526
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,128
−HK$1,629/mo
Today · 4.125%
HK$54,757
baseline
▲ 0.50% · 4.625%
HK$58,089
+HK$3,332/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,514/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,322
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,859
−HK$1,560/mo
Today · 4.125%
HK$60,419
baseline
▲ 0.50% · 4.625%
HK$63,604
+HK$3,185/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,838/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,247
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,308
−HK$2,094/mo
Today · 4.125%
HK$70,402
baseline
▲ 0.50% · 4.625%
HK$74,685
+HK$4,283/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,804/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,700
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,676
−HK$2,005/mo
Today · 4.125%
HK$77,681
baseline
▲ 0.50% · 4.625%
HK$81,776
+HK$4,095/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,362/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,263 · Scale 2, in force from 26 Feb 2026)