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$36,910
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,059
−HK$1,166/mo
Today · 4.125%
HK$39,225
baseline
▲ 0.50% · 4.625%
HK$41,612
+HK$2,387/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,450/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,062
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,164
−HK$1,117/mo
Today · 4.125%
HK$43,281
baseline
▲ 0.50% · 4.625%
HK$45,562
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,562/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,292
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,670
−HK$1,400/mo
Today · 4.125%
HK$47,070
baseline
▲ 0.50% · 4.625%
HK$49,934
+HK$2,864/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,140/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,275
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,596
−HK$1,341/mo
Today · 4.125%
HK$51,937
baseline
▲ 0.50% · 4.625%
HK$54,675
+HK$2,738/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,874/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,675
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,282
−HK$1,633/mo
Today · 4.125%
HK$54,915
baseline
▲ 0.50% · 4.625%
HK$58,256
+HK$3,341/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,830/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,487
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,029
−HK$1,564/mo
Today · 4.125%
HK$60,593
baseline
▲ 0.50% · 4.625%
HK$63,787
+HK$3,194/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,186/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,439
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,505
−HK$2,100/mo
Today · 4.125%
HK$70,605
baseline
▲ 0.50% · 4.625%
HK$74,901
+HK$4,296/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,210/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,912
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,895
−HK$2,011/mo
Today · 4.125%
HK$77,906
baseline
▲ 0.50% · 4.625%
HK$82,012
+HK$4,106/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,812/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,011 · Scale 2, in force from 26 Feb 2026)