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$36,801
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,945
−HK$1,163/mo
Today · 4.125%
HK$39,108
baseline
▲ 0.50% · 4.625%
HK$41,488
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,216/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,940
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,038
−HK$1,114/mo
Today · 4.125%
HK$43,152
baseline
▲ 0.50% · 4.625%
HK$45,427
+HK$2,275/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,304/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,161
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,534
−HK$1,396/mo
Today · 4.125%
HK$46,930
baseline
▲ 0.50% · 4.625%
HK$49,786
+HK$2,856/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$93,860/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,128
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,446
−HK$1,337/mo
Today · 4.125%
HK$51,783
baseline
▲ 0.50% · 4.625%
HK$54,512
+HK$2,729/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$103,566/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,521
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,123
−HK$1,629/mo
Today · 4.125%
HK$54,752
baseline
▲ 0.50% · 4.625%
HK$58,083
+HK$3,331/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,504/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,316
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,854
−HK$1,559/mo
Today · 4.125%
HK$60,413
baseline
▲ 0.50% · 4.625%
HK$63,598
+HK$3,185/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,826/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,241
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,302
−HK$2,093/mo
Today · 4.125%
HK$70,395
baseline
▲ 0.50% · 4.625%
HK$74,678
+HK$4,283/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,790/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,693
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,669
−HK$2,005/mo
Today · 4.125%
HK$77,674
baseline
▲ 0.50% · 4.625%
HK$81,768
+HK$4,094/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,348/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,206 · Scale 2, in force from 26 Feb 2026)