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$36,819
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,964
−HK$1,164/mo
Today · 4.125%
HK$39,128
baseline
▲ 0.50% · 4.625%
HK$41,508
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,256/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,960
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,059
−HK$1,114/mo
Today · 4.125%
HK$43,173
baseline
▲ 0.50% · 4.625%
HK$45,449
+HK$2,276/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,346/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,182
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,557
−HK$1,396/mo
Today · 4.125%
HK$46,953
baseline
▲ 0.50% · 4.625%
HK$49,810
+HK$2,857/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,906/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,152
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,471
−HK$1,337/mo
Today · 4.125%
HK$51,808
baseline
▲ 0.50% · 4.625%
HK$54,539
+HK$2,731/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,616/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,546
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,150
−HK$1,629/mo
Today · 4.125%
HK$54,779
baseline
▲ 0.50% · 4.625%
HK$58,112
+HK$3,333/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,558/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,345
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,883
−HK$1,560/mo
Today · 4.125%
HK$60,443
baseline
▲ 0.50% · 4.625%
HK$63,629
+HK$3,186/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,886/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,274
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,335
−HK$2,095/mo
Today · 4.125%
HK$70,430
baseline
▲ 0.50% · 4.625%
HK$74,715
+HK$4,285/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,860/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,729
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,706
−HK$2,006/mo
Today · 4.125%
HK$77,712
baseline
▲ 0.50% · 4.625%
HK$81,808
+HK$4,096/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,424/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,503 · Scale 2, in force from 26 Feb 2026)