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$36,787
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,932
−HK$1,162/mo
Today · 4.125%
HK$39,094
baseline
▲ 0.50% · 4.625%
HK$41,473
+HK$2,379/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,188/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,926
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,023
−HK$1,114/mo
Today · 4.125%
HK$43,137
baseline
▲ 0.50% · 4.625%
HK$45,410
+HK$2,273/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,274/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,145
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,518
−HK$1,395/mo
Today · 4.125%
HK$46,913
baseline
▲ 0.50% · 4.625%
HK$49,768
+HK$2,855/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,826/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,111
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,428
−HK$1,336/mo
Today · 4.125%
HK$51,764
baseline
▲ 0.50% · 4.625%
HK$54,493
+HK$2,729/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,528/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,502
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,104
−HK$1,628/mo
Today · 4.125%
HK$54,732
baseline
▲ 0.50% · 4.625%
HK$58,062
+HK$3,330/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,464/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,296
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,833
−HK$1,558/mo
Today · 4.125%
HK$60,391
baseline
▲ 0.50% · 4.625%
HK$63,575
+HK$3,184/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,782/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,217
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,277
−HK$2,093/mo
Today · 4.125%
HK$70,370
baseline
▲ 0.50% · 4.625%
HK$74,652
+HK$4,282/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,740/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,666
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,642
−HK$2,004/mo
Today · 4.125%
HK$77,646
baseline
▲ 0.50% · 4.625%
HK$81,739
+HK$4,093/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,292/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,988 · Scale 2, in force from 26 Feb 2026)