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$36,848
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,994
−HK$1,164/mo
Today · 4.125%
HK$39,158
baseline
▲ 0.50% · 4.625%
HK$41,541
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,316/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$605,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,993
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,092
−HK$1,115/mo
Today · 4.125%
HK$43,207
baseline
▲ 0.50% · 4.625%
HK$45,485
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,414/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$605,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,217
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,593
−HK$1,397/mo
Today · 4.125%
HK$46,990
baseline
▲ 0.50% · 4.625%
HK$49,849
+HK$2,859/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$93,980/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,191
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,511
−HK$1,338/mo
Today · 4.125%
HK$51,849
baseline
▲ 0.50% · 4.625%
HK$54,582
+HK$2,733/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$103,698/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,587
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,191
−HK$1,631/mo
Today · 4.125%
HK$54,822
baseline
▲ 0.50% · 4.625%
HK$58,158
+HK$3,336/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,644/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,390
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,929
−HK$1,561/mo
Today · 4.125%
HK$60,490
baseline
▲ 0.50% · 4.625%
HK$63,679
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,980/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,326
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,389
−HK$2,096/mo
Today · 4.125%
HK$70,485
baseline
▲ 0.50% · 4.625%
HK$74,774
+HK$4,289/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,970/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,787
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,766
−HK$2,007/mo
Today · 4.125%
HK$77,773
baseline
▲ 0.50% · 4.625%
HK$81,873
+HK$4,100/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,546/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,981 · Scale 2, in force from 26 Feb 2026)