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$36,780
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,924
−HK$1,162/mo
Today · 4.125%
HK$39,086
baseline
▲ 0.50% · 4.625%
HK$41,464
+HK$2,378/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,172/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,917
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,014
−HK$1,114/mo
Today · 4.125%
HK$43,128
baseline
▲ 0.50% · 4.625%
HK$45,401
+HK$2,273/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,256/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,136
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,509
−HK$1,394/mo
Today · 4.125%
HK$46,903
baseline
▲ 0.50% · 4.625%
HK$49,757
+HK$2,854/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,806/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,101
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,417
−HK$1,336/mo
Today · 4.125%
HK$51,753
baseline
▲ 0.50% · 4.625%
HK$54,481
+HK$2,728/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,506/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,492
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,093
−HK$1,628/mo
Today · 4.125%
HK$54,721
baseline
▲ 0.50% · 4.625%
HK$58,050
+HK$3,329/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,442/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,284
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,820
−HK$1,559/mo
Today · 4.125%
HK$60,379
baseline
▲ 0.50% · 4.625%
HK$63,561
+HK$3,182/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,758/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,204
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,263
−HK$2,092/mo
Today · 4.125%
HK$70,355
baseline
▲ 0.50% · 4.625%
HK$74,636
+HK$4,281/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,710/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,651
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,626
−HK$2,004/mo
Today · 4.125%
HK$77,630
baseline
▲ 0.50% · 4.625%
HK$81,722
+HK$4,092/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,260/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,862 · Scale 2, in force from 26 Feb 2026)