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$36,692
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,833
−HK$1,160/mo
Today · 4.125%
HK$38,993
baseline
▲ 0.50% · 4.625%
HK$41,366
+HK$2,373/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$77,986/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,819
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,914
−HK$1,111/mo
Today · 4.125%
HK$43,025
baseline
▲ 0.50% · 4.625%
HK$45,293
+HK$2,268/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,050/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,030
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,400
−HK$1,391/mo
Today · 4.125%
HK$46,791
baseline
▲ 0.50% · 4.625%
HK$49,639
+HK$2,848/mo
Deposit HK$6.44M · loan HK$9.65M · min. income ≈ HK$93,582/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,983
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,297
−HK$1,333/mo
Today · 4.125%
HK$51,630
baseline
▲ 0.50% · 4.625%
HK$54,351
+HK$2,721/mo
Deposit HK$6.44M · loan HK$9.65M · min. income ≈ HK$103,260/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,369
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,967
−HK$1,623/mo
Today · 4.125%
HK$54,590
baseline
▲ 0.50% · 4.625%
HK$57,912
+HK$3,322/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,180/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,147
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,680
−HK$1,555/mo
Today · 4.125%
HK$60,235
baseline
▲ 0.50% · 4.625%
HK$63,410
+HK$3,175/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,470/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,046
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,100
−HK$2,087/mo
Today · 4.125%
HK$70,187
baseline
▲ 0.50% · 4.625%
HK$74,458
+HK$4,271/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,374/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,475
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,446
−HK$1,999/mo
Today · 4.125%
HK$77,445
baseline
▲ 0.50% · 4.625%
HK$81,527
+HK$4,082/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,890/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,419 · Scale 2, in force from 26 Feb 2026)