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$36,708
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,850
−HK$1,160/mo
Today · 4.125%
HK$39,010
baseline
▲ 0.50% · 4.625%
HK$41,383
+HK$2,373/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,020/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,837
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,932
−HK$1,111/mo
Today · 4.125%
HK$43,043
baseline
▲ 0.50% · 4.625%
HK$45,312
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,086/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,049
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,420
−HK$1,392/mo
Today · 4.125%
HK$46,812
baseline
▲ 0.50% · 4.625%
HK$49,660
+HK$2,848/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,624/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,005
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,319
−HK$1,333/mo
Today · 4.125%
HK$51,652
baseline
▲ 0.50% · 4.625%
HK$54,375
+HK$2,723/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,304/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,391
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,990
−HK$1,624/mo
Today · 4.125%
HK$54,614
baseline
▲ 0.50% · 4.625%
HK$57,937
+HK$3,323/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,228/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,172
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,705
−HK$1,556/mo
Today · 4.125%
HK$60,261
baseline
▲ 0.50% · 4.625%
HK$63,437
+HK$3,176/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,522/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,074
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,129
−HK$2,089/mo
Today · 4.125%
HK$70,218
baseline
▲ 0.50% · 4.625%
HK$74,490
+HK$4,272/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,436/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,507
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,478
−HK$2,000/mo
Today · 4.125%
HK$77,478
baseline
▲ 0.50% · 4.625%
HK$81,562
+HK$4,084/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,956/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,680 · Scale 2, in force from 26 Feb 2026)