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$36,724
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,866
−HK$1,161/mo
Today · 4.125%
HK$39,027
baseline
▲ 0.50% · 4.625%
HK$41,402
+HK$2,375/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,054/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,855
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,951
−HK$1,111/mo
Today · 4.125%
HK$43,062
baseline
▲ 0.50% · 4.625%
HK$45,332
+HK$2,270/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,124/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,069
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,440
−HK$1,392/mo
Today · 4.125%
HK$46,832
baseline
▲ 0.50% · 4.625%
HK$49,682
+HK$2,850/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,664/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,026
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,341
−HK$1,334/mo
Today · 4.125%
HK$51,675
baseline
▲ 0.50% · 4.625%
HK$54,399
+HK$2,724/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,350/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,414
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,013
−HK$1,625/mo
Today · 4.125%
HK$54,638
baseline
▲ 0.50% · 4.625%
HK$57,962
+HK$3,324/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,276/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,197
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,731
−HK$1,556/mo
Today · 4.125%
HK$60,287
baseline
▲ 0.50% · 4.625%
HK$63,465
+HK$3,178/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,574/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,103
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,160
−HK$2,089/mo
Today · 4.125%
HK$70,249
baseline
▲ 0.50% · 4.625%
HK$74,523
+HK$4,274/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,498/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,539
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,512
−HK$2,000/mo
Today · 4.125%
HK$77,512
baseline
▲ 0.50% · 4.625%
HK$81,598
+HK$4,086/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$155,024/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,947 · Scale 2, in force from 26 Feb 2026)