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$36,785
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,929
−HK$1,163/mo
Today · 4.125%
HK$39,092
baseline
▲ 0.50% · 4.625%
HK$41,470
+HK$2,378/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,184/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,923
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,020
−HK$1,114/mo
Today · 4.125%
HK$43,134
baseline
▲ 0.50% · 4.625%
HK$45,407
+HK$2,273/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,268/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,142
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,515
−HK$1,395/mo
Today · 4.125%
HK$46,910
baseline
▲ 0.50% · 4.625%
HK$49,764
+HK$2,854/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,820/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,107
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,424
−HK$1,337/mo
Today · 4.125%
HK$51,761
baseline
▲ 0.50% · 4.625%
HK$54,489
+HK$2,728/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,522/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,499
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,101
−HK$1,627/mo
Today · 4.125%
HK$54,728
baseline
▲ 0.50% · 4.625%
HK$58,058
+HK$3,330/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,456/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,292
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,828
−HK$1,559/mo
Today · 4.125%
HK$60,387
baseline
▲ 0.50% · 4.625%
HK$63,570
+HK$3,183/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,774/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,213
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,272
−HK$2,093/mo
Today · 4.125%
HK$70,365
baseline
▲ 0.50% · 4.625%
HK$74,646
+HK$4,281/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,730/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,661
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,637
−HK$2,004/mo
Today · 4.125%
HK$77,641
baseline
▲ 0.50% · 4.625%
HK$81,733
+HK$4,092/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,282/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,947 · Scale 2, in force from 26 Feb 2026)