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$36,721
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,864
−HK$1,160/mo
Today · 4.125%
HK$39,024
baseline
▲ 0.50% · 4.625%
HK$41,399
+HK$2,375/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,048/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,852
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,948
−HK$1,111/mo
Today · 4.125%
HK$43,059
baseline
▲ 0.50% · 4.625%
HK$45,329
+HK$2,270/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,118/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,066
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,436
−HK$1,393/mo
Today · 4.125%
HK$46,829
baseline
▲ 0.50% · 4.625%
HK$49,678
+HK$2,849/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,658/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,022
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,337
−HK$1,334/mo
Today · 4.125%
HK$51,671
baseline
▲ 0.50% · 4.625%
HK$54,395
+HK$2,724/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,342/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,410
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,009
−HK$1,625/mo
Today · 4.125%
HK$54,634
baseline
▲ 0.50% · 4.625%
HK$57,958
+HK$3,324/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,268/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,193
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,727
−HK$1,556/mo
Today · 4.125%
HK$60,283
baseline
▲ 0.50% · 4.625%
HK$63,460
+HK$3,177/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,566/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,098
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,154
−HK$2,089/mo
Today · 4.125%
HK$70,243
baseline
▲ 0.50% · 4.625%
HK$74,517
+HK$4,274/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,486/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,534
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,506
−HK$2,001/mo
Today · 4.125%
HK$77,507
baseline
▲ 0.50% · 4.625%
HK$81,592
+HK$4,085/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$155,014/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,901 · Scale 2, in force from 26 Feb 2026)