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$36,731
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,874
−HK$1,161/mo
Today · 4.125%
HK$39,035
baseline
▲ 0.50% · 4.625%
HK$41,410
+HK$2,375/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,070/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,863
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,959
−HK$1,112/mo
Today · 4.125%
HK$43,071
baseline
▲ 0.50% · 4.625%
HK$45,341
+HK$2,270/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,142/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,077
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,449
−HK$1,393/mo
Today · 4.125%
HK$46,842
baseline
▲ 0.50% · 4.625%
HK$49,692
+HK$2,850/mo
Deposit HK$6.44M · loan HK$9.67M · min. income ≈ HK$93,684/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,036
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,351
−HK$1,334/mo
Today · 4.125%
HK$51,685
baseline
▲ 0.50% · 4.625%
HK$54,409
+HK$2,724/mo
Deposit HK$6.44M · loan HK$9.67M · min. income ≈ HK$103,370/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,424
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,023
−HK$1,625/mo
Today · 4.125%
HK$54,648
baseline
▲ 0.50% · 4.625%
HK$57,974
+HK$3,326/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,296/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,208
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,743
−HK$1,556/mo
Today · 4.125%
HK$60,299
baseline
▲ 0.50% · 4.625%
HK$63,478
+HK$3,179/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,598/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,116
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,173
−HK$2,089/mo
Today · 4.125%
HK$70,262
baseline
▲ 0.50% · 4.625%
HK$74,538
+HK$4,276/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,524/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$604,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,554
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,526
−HK$2,002/mo
Today · 4.125%
HK$77,528
baseline
▲ 0.50% · 4.625%
HK$81,614
+HK$4,086/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,056/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$604,065 · Scale 2, in force from 26 Feb 2026)