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$36,915
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,063
−HK$1,166/mo
Today · 4.125%
HK$39,229
baseline
▲ 0.50% · 4.625%
HK$41,616
+HK$2,387/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,458/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,067
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,168
−HK$1,118/mo
Today · 4.125%
HK$43,286
baseline
▲ 0.50% · 4.625%
HK$45,567
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,572/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,297
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,675
−HK$1,400/mo
Today · 4.125%
HK$47,075
baseline
▲ 0.50% · 4.625%
HK$49,940
+HK$2,865/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$94,150/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,280
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,602
−HK$1,341/mo
Today · 4.125%
HK$51,943
baseline
▲ 0.50% · 4.625%
HK$54,681
+HK$2,738/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$103,886/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,680
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,288
−HK$1,633/mo
Today · 4.125%
HK$54,921
baseline
▲ 0.50% · 4.625%
HK$58,263
+HK$3,342/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,842/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,494
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,036
−HK$1,564/mo
Today · 4.125%
HK$60,600
baseline
▲ 0.50% · 4.625%
HK$63,794
+HK$3,194/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,200/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,446
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,513
−HK$2,100/mo
Today · 4.125%
HK$70,613
baseline
▲ 0.50% · 4.625%
HK$74,910
+HK$4,297/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,226/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,921
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,903
−HK$2,011/mo
Today · 4.125%
HK$77,914
baseline
▲ 0.50% · 4.625%
HK$82,021
+HK$4,107/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,828/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,079 · Scale 2, in force from 26 Feb 2026)