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$36,737
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,879
−HK$1,161/mo
Today · 4.125%
HK$39,040
baseline
▲ 0.50% · 4.625%
HK$41,416
+HK$2,376/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,080/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,869
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,965
−HK$1,112/mo
Today · 4.125%
HK$43,077
baseline
▲ 0.50% · 4.625%
HK$45,348
+HK$2,271/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,154/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,084
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,455
−HK$1,393/mo
Today · 4.125%
HK$46,848
baseline
▲ 0.50% · 4.625%
HK$49,699
+HK$2,851/mo
Deposit HK$6.44M · loan HK$9.67M · min. income ≈ HK$93,696/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,043
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,358
−HK$1,335/mo
Today · 4.125%
HK$51,693
baseline
▲ 0.50% · 4.625%
HK$54,417
+HK$2,724/mo
Deposit HK$6.44M · loan HK$9.67M · min. income ≈ HK$103,386/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,431
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,031
−HK$1,626/mo
Today · 4.125%
HK$54,657
baseline
▲ 0.50% · 4.625%
HK$57,982
+HK$3,325/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,314/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,217
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,751
−HK$1,557/mo
Today · 4.125%
HK$60,308
baseline
▲ 0.50% · 4.625%
HK$63,487
+HK$3,179/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,616/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,126
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,183
−HK$2,090/mo
Today · 4.125%
HK$70,273
baseline
▲ 0.50% · 4.625%
HK$74,549
+HK$4,276/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,546/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,564
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,537
−HK$2,002/mo
Today · 4.125%
HK$77,539
baseline
▲ 0.50% · 4.625%
HK$81,626
+HK$4,087/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,078/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,154 · Scale 2, in force from 26 Feb 2026)