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$36,764
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,907
−HK$1,162/mo
Today · 4.125%
HK$39,069
baseline
▲ 0.50% · 4.625%
HK$41,446
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,138/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,899
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,996
−HK$1,113/mo
Today · 4.125%
HK$43,109
baseline
▲ 0.50% · 4.625%
HK$45,381
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,218/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,117
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,489
−HK$1,394/mo
Today · 4.125%
HK$46,883
baseline
▲ 0.50% · 4.625%
HK$49,736
+HK$2,853/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,766/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,079
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,395
−HK$1,336/mo
Today · 4.125%
HK$51,731
baseline
▲ 0.50% · 4.625%
HK$54,458
+HK$2,727/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,462/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,469
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,070
−HK$1,627/mo
Today · 4.125%
HK$54,697
baseline
▲ 0.50% · 4.625%
HK$58,025
+HK$3,328/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,394/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,259
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,795
−HK$1,558/mo
Today · 4.125%
HK$60,353
baseline
▲ 0.50% · 4.625%
HK$63,534
+HK$3,181/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,706/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,175
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,233
−HK$2,091/mo
Today · 4.125%
HK$70,324
baseline
▲ 0.50% · 4.625%
HK$74,604
+HK$4,280/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,648/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,619
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,593
−HK$2,003/mo
Today · 4.125%
HK$77,596
baseline
▲ 0.50% · 4.625%
HK$81,686
+HK$4,090/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,192/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,599 · Scale 2, in force from 26 Feb 2026)