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$36,826
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,972
−HK$1,164/mo
Today · 4.125%
HK$39,136
baseline
▲ 0.50% · 4.625%
HK$41,517
+HK$2,381/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,272/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,969
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,068
−HK$1,114/mo
Today · 4.125%
HK$43,182
baseline
▲ 0.50% · 4.625%
HK$45,459
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,364/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,192
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,566
−HK$1,397/mo
Today · 4.125%
HK$46,963
baseline
▲ 0.50% · 4.625%
HK$49,820
+HK$2,857/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,926/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,163
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,481
−HK$1,338/mo
Today · 4.125%
HK$51,819
baseline
▲ 0.50% · 4.625%
HK$54,550
+HK$2,731/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,638/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,557
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,161
−HK$1,629/mo
Today · 4.125%
HK$54,790
baseline
▲ 0.50% · 4.625%
HK$58,124
+HK$3,334/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,580/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,357
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,895
−HK$1,560/mo
Today · 4.125%
HK$60,455
baseline
▲ 0.50% · 4.625%
HK$63,642
+HK$3,187/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,910/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,287
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,349
−HK$2,095/mo
Today · 4.125%
HK$70,444
baseline
▲ 0.50% · 4.625%
HK$74,731
+HK$4,287/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,888/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,744
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,722
−HK$2,006/mo
Today · 4.125%
HK$77,728
baseline
▲ 0.50% · 4.625%
HK$81,826
+HK$4,098/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,456/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,629 · Scale 2, in force from 26 Feb 2026)