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$36,827
−HK$2,309/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$605,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,969
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,068
−HK$1,115/mo
Today · 4.125%
HK$43,183
baseline
▲ 0.50% · 4.625%
HK$45,459
+HK$2,276/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,366/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,192
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,567
−HK$1,396/mo
Today · 4.125%
HK$46,963
baseline
▲ 0.50% · 4.625%
HK$49,821
+HK$2,858/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$605,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,163
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,482
−HK$1,337/mo
Today · 4.125%
HK$51,819
baseline
▲ 0.50% · 4.625%
HK$54,551
+HK$2,732/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$605,635 · 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$605,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,357
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,895
−HK$1,561/mo
Today · 4.125%
HK$60,456
baseline
▲ 0.50% · 4.625%
HK$63,643
+HK$3,187/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,912/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,288
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,350
−HK$2,095/mo
Today · 4.125%
HK$70,445
baseline
▲ 0.50% · 4.625%
HK$74,731
+HK$4,286/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,890/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,745
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,723
−HK$2,006/mo
Today · 4.125%
HK$77,729
baseline
▲ 0.50% · 4.625%
HK$81,826
+HK$4,097/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,458/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,635 · Scale 2, in force from 26 Feb 2026)