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$36,854
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,000
−HK$1,165/mo
Today · 4.125%
HK$39,165
baseline
▲ 0.50% · 4.625%
HK$41,548
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,330/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,000
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,099
−HK$1,116/mo
Today · 4.125%
HK$43,215
baseline
▲ 0.50% · 4.625%
HK$45,493
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,430/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,225
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,600
−HK$1,398/mo
Today · 4.125%
HK$46,998
baseline
▲ 0.50% · 4.625%
HK$49,858
+HK$2,860/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$93,996/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,199
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,519
−HK$1,339/mo
Today · 4.125%
HK$51,858
baseline
▲ 0.50% · 4.625%
HK$54,591
+HK$2,733/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$103,716/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,595
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,200
−HK$1,631/mo
Today · 4.125%
HK$54,831
baseline
▲ 0.50% · 4.625%
HK$58,167
+HK$3,336/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,662/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$606,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,399
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,939
−HK$1,561/mo
Today · 4.125%
HK$60,500
baseline
▲ 0.50% · 4.625%
HK$63,690
+HK$3,190/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$121,000/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$606,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,337
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,400
−HK$2,097/mo
Today · 4.125%
HK$70,497
baseline
▲ 0.50% · 4.625%
HK$74,786
+HK$4,289/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$140,994/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,799
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,778
−HK$2,008/mo
Today · 4.125%
HK$77,786
baseline
▲ 0.50% · 4.625%
HK$81,887
+HK$4,101/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,572/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,081 · Scale 2, in force from 26 Feb 2026)