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$36,903
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,051
−HK$1,167/mo
Today · 4.125%
HK$39,218
baseline
▲ 0.50% · 4.625%
HK$41,604
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,436/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,055
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,156
−HK$1,117/mo
Today · 4.125%
HK$43,273
baseline
▲ 0.50% · 4.625%
HK$45,554
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,546/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,284
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,662
−HK$1,399/mo
Today · 4.125%
HK$47,061
baseline
▲ 0.50% · 4.625%
HK$49,925
+HK$2,864/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,122/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,266
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,587
−HK$1,340/mo
Today · 4.125%
HK$51,927
baseline
▲ 0.50% · 4.625%
HK$54,664
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,854/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,665
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,272
−HK$1,633/mo
Today · 4.125%
HK$54,905
baseline
▲ 0.50% · 4.625%
HK$58,245
+HK$3,340/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,810/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,476
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,018
−HK$1,564/mo
Today · 4.125%
HK$60,582
baseline
▲ 0.50% · 4.625%
HK$63,775
+HK$3,193/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,164/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,426
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,492
−HK$2,100/mo
Today · 4.125%
HK$70,592
baseline
▲ 0.50% · 4.625%
HK$74,887
+HK$4,295/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,184/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,898
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,880
−HK$2,011/mo
Today · 4.125%
HK$77,891
baseline
▲ 0.50% · 4.625%
HK$81,997
+HK$4,106/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,782/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,896 · Scale 2, in force from 26 Feb 2026)