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$36,760
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,904
−HK$1,161/mo
Today · 4.125%
HK$39,065
baseline
▲ 0.50% · 4.625%
HK$41,442
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,130/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,895
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,992
−HK$1,113/mo
Today · 4.125%
HK$43,105
baseline
▲ 0.50% · 4.625%
HK$45,377
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,210/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,112
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,484
−HK$1,394/mo
Today · 4.125%
HK$46,878
baseline
▲ 0.50% · 4.625%
HK$49,731
+HK$2,853/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,756/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,074
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,391
−HK$1,335/mo
Today · 4.125%
HK$51,726
baseline
▲ 0.50% · 4.625%
HK$54,452
+HK$2,726/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,452/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,464
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,065
−HK$1,627/mo
Today · 4.125%
HK$54,692
baseline
▲ 0.50% · 4.625%
HK$58,019
+HK$3,327/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$109,384/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,253
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,789
−HK$1,558/mo
Today · 4.125%
HK$60,347
baseline
▲ 0.50% · 4.625%
HK$63,528
+HK$3,181/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$120,694/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,168
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,227
−HK$2,091/mo
Today · 4.125%
HK$70,318
baseline
▲ 0.50% · 4.625%
HK$74,596
+HK$4,278/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,636/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,612
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,586
−HK$2,003/mo
Today · 4.125%
HK$77,589
baseline
▲ 0.50% · 4.625%
HK$81,678
+HK$4,089/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,178/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,541 · Scale 2, in force from 26 Feb 2026)