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$36,725
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,867
−HK$1,161/mo
Today · 4.125%
HK$39,028
baseline
▲ 0.50% · 4.625%
HK$41,402
+HK$2,374/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,056/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,856
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,952
−HK$1,111/mo
Today · 4.125%
HK$43,063
baseline
▲ 0.50% · 4.625%
HK$45,333
+HK$2,270/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,126/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,070
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,440
−HK$1,393/mo
Today · 4.125%
HK$46,833
baseline
▲ 0.50% · 4.625%
HK$49,683
+HK$2,850/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,666/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,027
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,342
−HK$1,334/mo
Today · 4.125%
HK$51,676
baseline
▲ 0.50% · 4.625%
HK$54,400
+HK$2,724/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,352/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,415
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,014
−HK$1,625/mo
Today · 4.125%
HK$54,639
baseline
▲ 0.50% · 4.625%
HK$57,963
+HK$3,324/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,278/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,198
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,732
−HK$1,556/mo
Today · 4.125%
HK$60,288
baseline
▲ 0.50% · 4.625%
HK$63,466
+HK$3,178/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,576/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,105
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,161
−HK$2,089/mo
Today · 4.125%
HK$70,250
baseline
▲ 0.50% · 4.625%
HK$74,524
+HK$4,274/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,500/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,541
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,513
−HK$2,001/mo
Today · 4.125%
HK$77,514
baseline
▲ 0.50% · 4.625%
HK$81,600
+HK$4,086/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$155,028/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,958 · Scale 2, in force from 26 Feb 2026)