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$36,758
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,901
−HK$1,162/mo
Today · 4.125%
HK$39,063
baseline
▲ 0.50% · 4.625%
HK$41,440
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,126/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,892
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,989
−HK$1,113/mo
Today · 4.125%
HK$43,102
baseline
▲ 0.50% · 4.625%
HK$45,374
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,204/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,109
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,481
−HK$1,394/mo
Today · 4.125%
HK$46,875
baseline
▲ 0.50% · 4.625%
HK$49,727
+HK$2,852/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,750/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,071
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,387
−HK$1,335/mo
Today · 4.125%
HK$51,722
baseline
▲ 0.50% · 4.625%
HK$54,448
+HK$2,726/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,444/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,461
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,061
−HK$1,627/mo
Today · 4.125%
HK$54,688
baseline
▲ 0.50% · 4.625%
HK$58,015
+HK$3,327/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$109,376/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,249
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,785
−HK$1,557/mo
Today · 4.125%
HK$60,342
baseline
▲ 0.50% · 4.625%
HK$63,523
+HK$3,181/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$120,684/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,164
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,222
−HK$2,091/mo
Today · 4.125%
HK$70,313
baseline
▲ 0.50% · 4.625%
HK$74,591
+HK$4,278/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,626/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,606
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,581
−HK$2,002/mo
Today · 4.125%
HK$77,583
baseline
▲ 0.50% · 4.625%
HK$81,673
+HK$4,090/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,166/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,499 · Scale 2, in force from 26 Feb 2026)