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$36,822
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,967
−HK$1,164/mo
Today · 4.125%
HK$39,131
baseline
▲ 0.50% · 4.625%
HK$41,512
+HK$2,381/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,262/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,964
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,063
−HK$1,114/mo
Today · 4.125%
HK$43,177
baseline
▲ 0.50% · 4.625%
HK$45,453
+HK$2,276/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,354/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,186
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,561
−HK$1,396/mo
Today · 4.125%
HK$46,957
baseline
▲ 0.50% · 4.625%
HK$49,815
+HK$2,858/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,914/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,157
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,475
−HK$1,338/mo
Today · 4.125%
HK$51,813
baseline
▲ 0.50% · 4.625%
HK$54,544
+HK$2,731/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,626/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,551
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,154
−HK$1,630/mo
Today · 4.125%
HK$54,784
baseline
▲ 0.50% · 4.625%
HK$58,117
+HK$3,333/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,568/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,350
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,888
−HK$1,560/mo
Today · 4.125%
HK$60,448
baseline
▲ 0.50% · 4.625%
HK$63,635
+HK$3,187/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,896/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,280
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,341
−HK$2,095/mo
Today · 4.125%
HK$70,436
baseline
▲ 0.50% · 4.625%
HK$74,722
+HK$4,286/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,872/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,735
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,713
−HK$2,006/mo
Today · 4.125%
HK$77,719
baseline
▲ 0.50% · 4.625%
HK$81,816
+HK$4,097/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,438/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,558 · Scale 2, in force from 26 Feb 2026)