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$36,855
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,001
−HK$1,165/mo
Today · 4.125%
HK$39,166
baseline
▲ 0.50% · 4.625%
HK$41,549
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,332/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,000
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,100
−HK$1,116/mo
Today · 4.125%
HK$43,216
baseline
▲ 0.50% · 4.625%
HK$45,494
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,432/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,226
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,601
−HK$1,398/mo
Today · 4.125%
HK$46,999
baseline
▲ 0.50% · 4.625%
HK$49,859
+HK$2,860/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$93,998/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,201
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,520
−HK$1,339/mo
Today · 4.125%
HK$51,859
baseline
▲ 0.50% · 4.625%
HK$54,592
+HK$2,733/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,718/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,597
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,201
−HK$1,631/mo
Today · 4.125%
HK$54,832
baseline
▲ 0.50% · 4.625%
HK$58,168
+HK$3,336/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,664/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$606,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,401
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,940
−HK$1,562/mo
Today · 4.125%
HK$60,502
baseline
▲ 0.50% · 4.625%
HK$63,691
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$121,004/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$606,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,338
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,402
−HK$2,096/mo
Today · 4.125%
HK$70,498
baseline
▲ 0.50% · 4.625%
HK$74,788
+HK$4,290/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$140,996/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,801
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,780
−HK$2,008/mo
Today · 4.125%
HK$77,788
baseline
▲ 0.50% · 4.625%
HK$81,888
+HK$4,100/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,576/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,095 · Scale 2, in force from 26 Feb 2026)