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$36,679
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,820
−HK$1,159/mo
Today · 4.125%
HK$38,979
baseline
▲ 0.50% · 4.625%
HK$41,351
+HK$2,372/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,958/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,805
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,900
−HK$1,110/mo
Today · 4.125%
HK$43,010
baseline
▲ 0.50% · 4.625%
HK$45,277
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,020/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,015
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,384
−HK$1,391/mo
Today · 4.125%
HK$46,775
baseline
▲ 0.50% · 4.625%
HK$49,621
+HK$2,846/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,550/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,966
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,280
−HK$1,332/mo
Today · 4.125%
HK$51,612
baseline
▲ 0.50% · 4.625%
HK$54,332
+HK$2,720/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,224/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,351
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,948
−HK$1,623/mo
Today · 4.125%
HK$54,571
baseline
▲ 0.50% · 4.625%
HK$57,892
+HK$3,321/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,142/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,127
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,659
−HK$1,555/mo
Today · 4.125%
HK$60,214
baseline
▲ 0.50% · 4.625%
HK$63,388
+HK$3,174/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,428/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,023
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,076
−HK$2,087/mo
Today · 4.125%
HK$70,163
baseline
▲ 0.50% · 4.625%
HK$74,432
+HK$4,269/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,326/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,449
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,419
−HK$1,999/mo
Today · 4.125%
HK$77,418
baseline
▲ 0.50% · 4.625%
HK$81,498
+HK$4,080/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,836/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,209 · Scale 2, in force from 26 Feb 2026)