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$36,898
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,046
−HK$1,166/mo
Today · 4.125%
HK$39,212
baseline
▲ 0.50% · 4.625%
HK$41,598
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,424/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,048
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,149
−HK$1,117/mo
Today · 4.125%
HK$43,266
baseline
▲ 0.50% · 4.625%
HK$45,547
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,532/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,277
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,655
−HK$1,399/mo
Today · 4.125%
HK$47,054
baseline
▲ 0.50% · 4.625%
HK$49,917
+HK$2,863/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,108/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,258
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,579
−HK$1,340/mo
Today · 4.125%
HK$51,919
baseline
▲ 0.50% · 4.625%
HK$54,656
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,838/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,657
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,264
−HK$1,632/mo
Today · 4.125%
HK$54,896
baseline
▲ 0.50% · 4.625%
HK$58,237
+HK$3,341/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$109,792/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,468
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,009
−HK$1,564/mo
Today · 4.125%
HK$60,573
baseline
▲ 0.50% · 4.625%
HK$63,766
+HK$3,193/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$121,146/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,416
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,482
−HK$2,099/mo
Today · 4.125%
HK$70,581
baseline
▲ 0.50% · 4.625%
HK$74,876
+HK$4,295/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,162/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,887
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,869
−HK$2,010/mo
Today · 4.125%
HK$77,879
baseline
▲ 0.50% · 4.625%
HK$81,984
+HK$4,105/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,758/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,804 · Scale 2, in force from 26 Feb 2026)