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$36,706
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,848
−HK$1,160/mo
Today · 4.125%
HK$39,008
baseline
▲ 0.50% · 4.625%
HK$41,381
+HK$2,373/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,016/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,835
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,930
−HK$1,111/mo
Today · 4.125%
HK$43,041
baseline
▲ 0.50% · 4.625%
HK$45,310
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,082/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,047
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,417
−HK$1,392/mo
Today · 4.125%
HK$46,809
baseline
▲ 0.50% · 4.625%
HK$49,658
+HK$2,849/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,618/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,002
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,316
−HK$1,333/mo
Today · 4.125%
HK$51,649
baseline
▲ 0.50% · 4.625%
HK$54,372
+HK$2,723/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,298/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,388
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,987
−HK$1,624/mo
Today · 4.125%
HK$54,611
baseline
▲ 0.50% · 4.625%
HK$57,934
+HK$3,323/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,222/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,169
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,702
−HK$1,556/mo
Today · 4.125%
HK$60,258
baseline
▲ 0.50% · 4.625%
HK$63,434
+HK$3,176/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,516/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,071
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,126
−HK$2,088/mo
Today · 4.125%
HK$70,214
baseline
▲ 0.50% · 4.625%
HK$74,486
+HK$4,272/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,428/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,503
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,474
−HK$2,000/mo
Today · 4.125%
HK$77,474
baseline
▲ 0.50% · 4.625%
HK$81,558
+HK$4,084/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,948/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,649 · Scale 2, in force from 26 Feb 2026)