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$36,857
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,003
−HK$1,165/mo
Today · 4.125%
HK$39,168
baseline
▲ 0.50% · 4.625%
HK$41,551
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,336/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,003
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,102
−HK$1,116/mo
Today · 4.125%
HK$43,218
baseline
▲ 0.50% · 4.625%
HK$45,496
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,436/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,228
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,604
−HK$1,398/mo
Today · 4.125%
HK$47,002
baseline
▲ 0.50% · 4.625%
HK$49,861
+HK$2,859/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,004/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,203
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,523
−HK$1,339/mo
Today · 4.125%
HK$51,862
baseline
▲ 0.50% · 4.625%
HK$54,595
+HK$2,733/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,724/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,599
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,204
−HK$1,631/mo
Today · 4.125%
HK$54,835
baseline
▲ 0.50% · 4.625%
HK$58,172
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,670/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,404
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,943
−HK$1,562/mo
Today · 4.125%
HK$60,505
baseline
▲ 0.50% · 4.625%
HK$63,694
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$121,010/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,342
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,406
−HK$2,096/mo
Today · 4.125%
HK$70,502
baseline
▲ 0.50% · 4.625%
HK$74,792
+HK$4,290/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,004/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,805
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,784
−HK$2,008/mo
Today · 4.125%
HK$77,792
baseline
▲ 0.50% · 4.625%
HK$81,893
+HK$4,101/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,584/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,128 · Scale 2, in force from 26 Feb 2026)