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$36,798
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,943
−HK$1,163/mo
Today · 4.125%
HK$39,106
baseline
▲ 0.50% · 4.625%
HK$41,486
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,212/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,938
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,036
−HK$1,114/mo
Today · 4.125%
HK$43,150
baseline
▲ 0.50% · 4.625%
HK$45,424
+HK$2,274/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,300/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,158
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,532
−HK$1,395/mo
Today · 4.125%
HK$46,927
baseline
▲ 0.50% · 4.625%
HK$49,783
+HK$2,856/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$93,854/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,126
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,443
−HK$1,337/mo
Today · 4.125%
HK$51,780
baseline
▲ 0.50% · 4.625%
HK$54,509
+HK$2,729/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$103,560/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,518
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,120
−HK$1,629/mo
Today · 4.125%
HK$54,749
baseline
▲ 0.50% · 4.625%
HK$58,080
+HK$3,331/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,498/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,313
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,850
−HK$1,560/mo
Today · 4.125%
HK$60,410
baseline
▲ 0.50% · 4.625%
HK$63,594
+HK$3,184/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,820/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,237
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,298
−HK$2,093/mo
Today · 4.125%
HK$70,391
baseline
▲ 0.50% · 4.625%
HK$74,674
+HK$4,283/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,782/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,688
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,665
−HK$2,004/mo
Today · 4.125%
HK$77,669
baseline
▲ 0.50% · 4.625%
HK$81,764
+HK$4,095/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,338/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,171 · Scale 2, in force from 26 Feb 2026)