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$36,810
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,955
−HK$1,163/mo
Today · 4.125%
HK$39,118
baseline
▲ 0.50% · 4.625%
HK$41,498
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,236/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,951
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,049
−HK$1,114/mo
Today · 4.125%
HK$43,163
baseline
▲ 0.50% · 4.625%
HK$45,438
+HK$2,275/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,326/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,172
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,546
−HK$1,396/mo
Today · 4.125%
HK$46,942
baseline
▲ 0.50% · 4.625%
HK$49,798
+HK$2,856/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,884/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,141
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,459
−HK$1,337/mo
Today · 4.125%
HK$51,796
baseline
▲ 0.50% · 4.625%
HK$54,526
+HK$2,730/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,592/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,534
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,137
−HK$1,628/mo
Today · 4.125%
HK$54,765
baseline
▲ 0.50% · 4.625%
HK$58,098
+HK$3,333/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,530/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,331
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,868
−HK$1,560/mo
Today · 4.125%
HK$60,428
baseline
▲ 0.50% · 4.625%
HK$63,613
+HK$3,185/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,856/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,258
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,319
−HK$2,094/mo
Today · 4.125%
HK$70,413
baseline
▲ 0.50% · 4.625%
HK$74,697
+HK$4,284/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,826/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,711
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,688
−HK$2,005/mo
Today · 4.125%
HK$77,693
baseline
▲ 0.50% · 4.625%
HK$81,789
+HK$4,096/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,386/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,358 · Scale 2, in force from 26 Feb 2026)