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$36,861
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,007
−HK$1,165/mo
Today · 4.125%
HK$39,172
baseline
▲ 0.50% · 4.625%
HK$41,556
+HK$2,384/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,344/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,007
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,107
−HK$1,116/mo
Today · 4.125%
HK$43,223
baseline
▲ 0.50% · 4.625%
HK$45,501
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,446/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,233
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,609
−HK$1,398/mo
Today · 4.125%
HK$47,007
baseline
▲ 0.50% · 4.625%
HK$49,867
+HK$2,860/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,014/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,209
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,528
−HK$1,339/mo
Today · 4.125%
HK$51,867
baseline
▲ 0.50% · 4.625%
HK$54,601
+HK$2,734/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,734/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,605
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,210
−HK$1,631/mo
Today · 4.125%
HK$54,841
baseline
▲ 0.50% · 4.625%
HK$58,178
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,682/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,410
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,950
−HK$1,562/mo
Today · 4.125%
HK$60,512
baseline
▲ 0.50% · 4.625%
HK$63,702
+HK$3,190/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,024/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,349
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,413
−HK$2,097/mo
Today · 4.125%
HK$70,510
baseline
▲ 0.50% · 4.625%
HK$74,801
+HK$4,291/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,020/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,813
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,793
−HK$2,008/mo
Today · 4.125%
HK$77,801
baseline
▲ 0.50% · 4.625%
HK$81,902
+HK$4,101/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,602/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,196 · Scale 2, in force from 26 Feb 2026)