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$36,851
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,997
−HK$1,164/mo
Today · 4.125%
HK$39,161
baseline
▲ 0.50% · 4.625%
HK$41,544
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,322/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,996
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,095
−HK$1,116/mo
Today · 4.125%
HK$43,211
baseline
▲ 0.50% · 4.625%
HK$45,488
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,422/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,221
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,596
−HK$1,398/mo
Today · 4.125%
HK$46,994
baseline
▲ 0.50% · 4.625%
HK$49,853
+HK$2,859/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$93,988/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,195
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,514
−HK$1,339/mo
Today · 4.125%
HK$51,853
baseline
▲ 0.50% · 4.625%
HK$54,586
+HK$2,733/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$103,706/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,591
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,196
−HK$1,630/mo
Today · 4.125%
HK$54,826
baseline
▲ 0.50% · 4.625%
HK$58,162
+HK$3,336/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,652/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$606,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,394
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,933
−HK$1,562/mo
Today · 4.125%
HK$60,495
baseline
▲ 0.50% · 4.625%
HK$63,684
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,990/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$606,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,331
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,394
−HK$2,097/mo
Today · 4.125%
HK$70,491
baseline
▲ 0.50% · 4.625%
HK$74,780
+HK$4,289/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,982/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,793
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,772
−HK$2,007/mo
Today · 4.125%
HK$77,779
baseline
▲ 0.50% · 4.625%
HK$81,879
+HK$4,100/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,558/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,027 · Scale 2, in force from 26 Feb 2026)