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$36,874
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,021
−HK$1,165/mo
Today · 4.125%
HK$39,186
baseline
▲ 0.50% · 4.625%
HK$41,571
+HK$2,385/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,372/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,022
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,122
−HK$1,116/mo
Today · 4.125%
HK$43,238
baseline
▲ 0.50% · 4.625%
HK$45,517
+HK$2,279/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,476/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,249
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,625
−HK$1,398/mo
Today · 4.125%
HK$47,023
baseline
▲ 0.50% · 4.625%
HK$49,885
+HK$2,862/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,046/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,226
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,546
−HK$1,340/mo
Today · 4.125%
HK$51,886
baseline
▲ 0.50% · 4.625%
HK$54,621
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,772/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,623
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,229
−HK$1,632/mo
Today · 4.125%
HK$54,861
baseline
▲ 0.50% · 4.625%
HK$58,199
+HK$3,338/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,722/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,430
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,971
−HK$1,562/mo
Today · 4.125%
HK$60,533
baseline
▲ 0.50% · 4.625%
HK$63,724
+HK$3,191/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,066/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,373
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,438
−HK$2,097/mo
Today · 4.125%
HK$70,535
baseline
▲ 0.50% · 4.625%
HK$74,827
+HK$4,292/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,070/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,839
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,820
−HK$2,009/mo
Today · 4.125%
HK$77,829
baseline
▲ 0.50% · 4.625%
HK$81,931
+HK$4,102/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,658/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,410 · Scale 2, in force from 26 Feb 2026)