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$36,875
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,022
−HK$1,165/mo
Today · 4.125%
HK$39,187
baseline
▲ 0.50% · 4.625%
HK$41,572
+HK$2,385/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,374/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,023
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,123
−HK$1,116/mo
Today · 4.125%
HK$43,239
baseline
▲ 0.50% · 4.625%
HK$45,519
+HK$2,280/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,478/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,250
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,626
−HK$1,399/mo
Today · 4.125%
HK$47,025
baseline
▲ 0.50% · 4.625%
HK$49,886
+HK$2,861/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,050/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,228
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,548
−HK$1,339/mo
Today · 4.125%
HK$51,887
baseline
▲ 0.50% · 4.625%
HK$54,622
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,774/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,625
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,231
−HK$1,631/mo
Today · 4.125%
HK$54,862
baseline
▲ 0.50% · 4.625%
HK$58,201
+HK$3,339/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,724/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,432
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,973
−HK$1,562/mo
Today · 4.125%
HK$60,535
baseline
▲ 0.50% · 4.625%
HK$63,726
+HK$3,191/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,070/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,375
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,440
−HK$2,097/mo
Today · 4.125%
HK$70,537
baseline
▲ 0.50% · 4.625%
HK$74,829
+HK$4,292/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,074/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,842
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,822
−HK$2,009/mo
Today · 4.125%
HK$77,831
baseline
▲ 0.50% · 4.625%
HK$81,934
+HK$4,103/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,662/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,430 · Scale 2, in force from 26 Feb 2026)