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$36,711
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,853
−HK$1,161/mo
Today · 4.125%
HK$39,014
baseline
▲ 0.50% · 4.625%
HK$41,387
+HK$2,373/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,028/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,841
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,936
−HK$1,112/mo
Today · 4.125%
HK$43,048
baseline
▲ 0.50% · 4.625%
HK$45,317
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,096/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,054
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,424
−HK$1,392/mo
Today · 4.125%
HK$46,816
baseline
▲ 0.50% · 4.625%
HK$49,665
+HK$2,849/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,632/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,009
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,324
−HK$1,333/mo
Today · 4.125%
HK$51,657
baseline
▲ 0.50% · 4.625%
HK$54,380
+HK$2,723/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,314/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,396
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,995
−HK$1,624/mo
Today · 4.125%
HK$54,619
baseline
▲ 0.50% · 4.625%
HK$57,942
+HK$3,323/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,238/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,177
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,711
−HK$1,556/mo
Today · 4.125%
HK$60,267
baseline
▲ 0.50% · 4.625%
HK$63,443
+HK$3,176/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,534/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,081
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,136
−HK$2,088/mo
Today · 4.125%
HK$70,224
baseline
▲ 0.50% · 4.625%
HK$74,497
+HK$4,273/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,448/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,514
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,486
−HK$2,000/mo
Today · 4.125%
HK$77,486
baseline
▲ 0.50% · 4.625%
HK$81,570
+HK$4,084/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,972/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,739 · Scale 2, in force from 26 Feb 2026)