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$36,887
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,034
−HK$1,166/mo
Today · 4.125%
HK$39,200
baseline
▲ 0.50% · 4.625%
HK$41,585
+HK$2,385/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,400/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,037
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,137
−HK$1,117/mo
Today · 4.125%
HK$43,254
baseline
▲ 0.50% · 4.625%
HK$45,534
+HK$2,280/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,508/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,265
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,641
−HK$1,399/mo
Today · 4.125%
HK$47,040
baseline
▲ 0.50% · 4.625%
HK$49,903
+HK$2,863/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,080/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,244
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,565
−HK$1,339/mo
Today · 4.125%
HK$51,904
baseline
▲ 0.50% · 4.625%
HK$54,640
+HK$2,736/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,808/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,642
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,248
−HK$1,632/mo
Today · 4.125%
HK$54,880
baseline
▲ 0.50% · 4.625%
HK$58,220
+HK$3,340/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,760/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,451
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,992
−HK$1,563/mo
Today · 4.125%
HK$60,555
baseline
▲ 0.50% · 4.625%
HK$63,747
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,110/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,397
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,462
−HK$2,098/mo
Today · 4.125%
HK$70,560
baseline
▲ 0.50% · 4.625%
HK$74,854
+HK$4,294/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,120/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,866
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,847
−HK$2,009/mo
Today · 4.125%
HK$77,856
baseline
▲ 0.50% · 4.625%
HK$81,960
+HK$4,104/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,712/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,628 · Scale 2, in force from 26 Feb 2026)