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$36,753
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,897
−HK$1,161/mo
Today · 4.125%
HK$39,058
baseline
▲ 0.50% · 4.625%
HK$41,435
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,116/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,888
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,984
−HK$1,113/mo
Today · 4.125%
HK$43,097
baseline
▲ 0.50% · 4.625%
HK$45,368
+HK$2,271/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,194/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,104
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,476
−HK$1,394/mo
Today · 4.125%
HK$46,870
baseline
▲ 0.50% · 4.625%
HK$49,722
+HK$2,852/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,740/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,065
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,381
−HK$1,335/mo
Today · 4.125%
HK$51,716
baseline
▲ 0.50% · 4.625%
HK$54,442
+HK$2,726/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,432/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,455
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,055
−HK$1,626/mo
Today · 4.125%
HK$54,681
baseline
▲ 0.50% · 4.625%
HK$58,008
+HK$3,327/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$109,362/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,243
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,778
−HK$1,557/mo
Today · 4.125%
HK$60,335
baseline
▲ 0.50% · 4.625%
HK$63,516
+HK$3,181/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$120,670/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,156
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,214
−HK$2,090/mo
Today · 4.125%
HK$70,304
baseline
▲ 0.50% · 4.625%
HK$74,582
+HK$4,278/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,608/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,598
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,572
−HK$2,002/mo
Today · 4.125%
HK$77,574
baseline
▲ 0.50% · 4.625%
HK$81,663
+HK$4,089/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,148/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,427 · Scale 2, in force from 26 Feb 2026)