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$36,786
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,930
−HK$1,163/mo
Today · 4.125%
HK$39,093
baseline
▲ 0.50% · 4.625%
HK$41,471
+HK$2,378/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,186/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,924
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,021
−HK$1,114/mo
Today · 4.125%
HK$43,135
baseline
▲ 0.50% · 4.625%
HK$45,408
+HK$2,273/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,270/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,143
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,516
−HK$1,395/mo
Today · 4.125%
HK$46,911
baseline
▲ 0.50% · 4.625%
HK$49,765
+HK$2,854/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,822/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,109
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,426
−HK$1,336/mo
Today · 4.125%
HK$51,762
baseline
▲ 0.50% · 4.625%
HK$54,490
+HK$2,728/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,524/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,500
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,102
−HK$1,628/mo
Today · 4.125%
HK$54,730
baseline
▲ 0.50% · 4.625%
HK$58,060
+HK$3,330/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,460/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,293
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,830
−HK$1,559/mo
Today · 4.125%
HK$60,389
baseline
▲ 0.50% · 4.625%
HK$63,572
+HK$3,183/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,778/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,214
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,274
−HK$2,093/mo
Today · 4.125%
HK$70,367
baseline
▲ 0.50% · 4.625%
HK$74,648
+HK$4,281/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,734/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,663
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,638
−HK$2,005/mo
Today · 4.125%
HK$77,643
baseline
▲ 0.50% · 4.625%
HK$81,735
+HK$4,092/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,286/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,961 · Scale 2, in force from 26 Feb 2026)