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$36,729
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,871
−HK$1,161/mo
Today · 4.125%
HK$39,032
baseline
▲ 0.50% · 4.625%
HK$41,407
+HK$2,375/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,064/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,860
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,956
−HK$1,112/mo
Today · 4.125%
HK$43,068
baseline
▲ 0.50% · 4.625%
HK$45,338
+HK$2,270/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,136/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,075
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,446
−HK$1,392/mo
Today · 4.125%
HK$46,838
baseline
▲ 0.50% · 4.625%
HK$49,688
+HK$2,850/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,676/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,033
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,348
−HK$1,334/mo
Today · 4.125%
HK$51,682
baseline
▲ 0.50% · 4.625%
HK$54,406
+HK$2,724/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,364/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,420
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,020
−HK$1,625/mo
Today · 4.125%
HK$54,645
baseline
▲ 0.50% · 4.625%
HK$57,970
+HK$3,325/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,290/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,205
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,739
−HK$1,556/mo
Today · 4.125%
HK$60,295
baseline
▲ 0.50% · 4.625%
HK$63,473
+HK$3,178/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,590/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,112
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,168
−HK$2,090/mo
Today · 4.125%
HK$70,258
baseline
▲ 0.50% · 4.625%
HK$74,533
+HK$4,275/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,516/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$604,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,549
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,521
−HK$2,001/mo
Today · 4.125%
HK$77,522
baseline
▲ 0.50% · 4.625%
HK$81,609
+HK$4,087/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,044/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$604,025 · Scale 2, in force from 26 Feb 2026)