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$36,758
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,901
−HK$1,162/mo
Today · 4.125%
HK$39,063
baseline
▲ 0.50% · 4.625%
HK$41,440
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,126/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,893
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,990
−HK$1,112/mo
Today · 4.125%
HK$43,102
baseline
▲ 0.50% · 4.625%
HK$45,374
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,204/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,109
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,482
−HK$1,394/mo
Today · 4.125%
HK$46,876
baseline
▲ 0.50% · 4.625%
HK$49,728
+HK$2,852/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,752/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,071
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,387
−HK$1,336/mo
Today · 4.125%
HK$51,723
baseline
▲ 0.50% · 4.625%
HK$54,449
+HK$2,726/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,446/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,461
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,062
−HK$1,626/mo
Today · 4.125%
HK$54,688
baseline
▲ 0.50% · 4.625%
HK$58,016
+HK$3,328/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$109,376/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,250
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,785
−HK$1,558/mo
Today · 4.125%
HK$60,343
baseline
▲ 0.50% · 4.625%
HK$63,524
+HK$3,181/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$120,686/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,164
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,222
−HK$2,091/mo
Today · 4.125%
HK$70,313
baseline
▲ 0.50% · 4.625%
HK$74,592
+HK$4,279/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,626/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,607
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,581
−HK$2,003/mo
Today · 4.125%
HK$77,584
baseline
▲ 0.50% · 4.625%
HK$81,673
+HK$4,089/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,168/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,503 · Scale 2, in force from 26 Feb 2026)