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$36,907
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,055
−HK$1,167/mo
Today · 4.125%
HK$39,222
baseline
▲ 0.50% · 4.625%
HK$41,608
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,444/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,059
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,160
−HK$1,117/mo
Today · 4.125%
HK$43,277
baseline
▲ 0.50% · 4.625%
HK$45,558
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,554/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,289
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,666
−HK$1,400/mo
Today · 4.125%
HK$47,066
baseline
▲ 0.50% · 4.625%
HK$49,930
+HK$2,864/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,132/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,271
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,592
−HK$1,341/mo
Today · 4.125%
HK$51,933
baseline
▲ 0.50% · 4.625%
HK$54,670
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,866/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,670
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,277
−HK$1,633/mo
Today · 4.125%
HK$54,910
baseline
▲ 0.50% · 4.625%
HK$58,251
+HK$3,341/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,820/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,482
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,024
−HK$1,564/mo
Today · 4.125%
HK$60,588
baseline
▲ 0.50% · 4.625%
HK$63,782
+HK$3,194/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,176/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,433
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,499
−HK$2,100/mo
Today · 4.125%
HK$70,599
baseline
▲ 0.50% · 4.625%
HK$74,895
+HK$4,296/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,198/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,906
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,888
−HK$2,011/mo
Today · 4.125%
HK$77,899
baseline
▲ 0.50% · 4.625%
HK$82,005
+HK$4,106/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,798/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,957 · Scale 2, in force from 26 Feb 2026)