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$36,741
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,884
−HK$1,161/mo
Today · 4.125%
HK$39,045
baseline
▲ 0.50% · 4.625%
HK$41,421
+HK$2,376/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,090/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,874
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,970
−HK$1,112/mo
Today · 4.125%
HK$43,082
baseline
▲ 0.50% · 4.625%
HK$45,353
+HK$2,271/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,164/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,089
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,460
−HK$1,394/mo
Today · 4.125%
HK$46,854
baseline
▲ 0.50% · 4.625%
HK$49,705
+HK$2,851/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,708/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,049
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,364
−HK$1,335/mo
Today · 4.125%
HK$51,699
baseline
▲ 0.50% · 4.625%
HK$54,424
+HK$2,725/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,398/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,437
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,037
−HK$1,626/mo
Today · 4.125%
HK$54,663
baseline
▲ 0.50% · 4.625%
HK$57,989
+HK$3,326/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,326/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,223
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,758
−HK$1,557/mo
Today · 4.125%
HK$60,315
baseline
▲ 0.50% · 4.625%
HK$63,494
+HK$3,179/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,630/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,134
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,191
−HK$2,090/mo
Today · 4.125%
HK$70,281
baseline
▲ 0.50% · 4.625%
HK$74,557
+HK$4,276/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,562/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,573
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,546
−HK$2,002/mo
Today · 4.125%
HK$77,548
baseline
▲ 0.50% · 4.625%
HK$81,635
+HK$4,087/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,096/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,223 · Scale 2, in force from 26 Feb 2026)