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$36,823
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,969
−HK$1,163/mo
Today · 4.125%
HK$39,132
baseline
▲ 0.50% · 4.625%
HK$41,513
+HK$2,381/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,264/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,965
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,064
−HK$1,115/mo
Today · 4.125%
HK$43,179
baseline
▲ 0.50% · 4.625%
HK$45,455
+HK$2,276/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,358/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,188
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,562
−HK$1,397/mo
Today · 4.125%
HK$46,959
baseline
▲ 0.50% · 4.625%
HK$49,816
+HK$2,857/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,918/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,159
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,477
−HK$1,337/mo
Today · 4.125%
HK$51,814
baseline
▲ 0.50% · 4.625%
HK$54,546
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,628/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,553
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,156
−HK$1,629/mo
Today · 4.125%
HK$54,785
baseline
▲ 0.50% · 4.625%
HK$58,119
+HK$3,334/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,570/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,352
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,890
−HK$1,560/mo
Today · 4.125%
HK$60,450
baseline
▲ 0.50% · 4.625%
HK$63,637
+HK$3,187/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,900/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,282
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,344
−HK$2,094/mo
Today · 4.125%
HK$70,438
baseline
▲ 0.50% · 4.625%
HK$74,724
+HK$4,286/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,876/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,738
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,715
−HK$2,007/mo
Today · 4.125%
HK$77,722
baseline
▲ 0.50% · 4.625%
HK$81,818
+HK$4,096/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,444/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,577 · Scale 2, in force from 26 Feb 2026)