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$36,879
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,026
−HK$1,166/mo
Today · 4.125%
HK$39,192
baseline
▲ 0.50% · 4.625%
HK$41,576
+HK$2,384/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,384/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,027
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,128
−HK$1,116/mo
Today · 4.125%
HK$43,244
baseline
▲ 0.50% · 4.625%
HK$45,523
+HK$2,279/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,488/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,255
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,631
−HK$1,399/mo
Today · 4.125%
HK$47,030
baseline
▲ 0.50% · 4.625%
HK$49,892
+HK$2,862/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,060/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,233
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,553
−HK$1,340/mo
Today · 4.125%
HK$51,893
baseline
▲ 0.50% · 4.625%
HK$54,628
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,786/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,631
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,237
−HK$1,631/mo
Today · 4.125%
HK$54,868
baseline
▲ 0.50% · 4.625%
HK$58,207
+HK$3,339/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,736/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,438
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,979
−HK$1,563/mo
Today · 4.125%
HK$60,542
baseline
▲ 0.50% · 4.625%
HK$63,733
+HK$3,191/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,084/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,382
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,447
−HK$2,098/mo
Today · 4.125%
HK$70,545
baseline
▲ 0.50% · 4.625%
HK$74,837
+HK$4,292/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,090/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,849
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,830
−HK$2,009/mo
Today · 4.125%
HK$77,839
baseline
▲ 0.50% · 4.625%
HK$81,942
+HK$4,103/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,678/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,494 · Scale 2, in force from 26 Feb 2026)