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$36,788
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,933
−HK$1,162/mo
Today · 4.125%
HK$39,095
baseline
▲ 0.50% · 4.625%
HK$41,474
+HK$2,379/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,190/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,927
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,024
−HK$1,114/mo
Today · 4.125%
HK$43,138
baseline
▲ 0.50% · 4.625%
HK$45,412
+HK$2,274/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,276/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,146
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,519
−HK$1,395/mo
Today · 4.125%
HK$46,914
baseline
▲ 0.50% · 4.625%
HK$49,769
+HK$2,855/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,828/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,112
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,429
−HK$1,336/mo
Today · 4.125%
HK$51,765
baseline
▲ 0.50% · 4.625%
HK$54,494
+HK$2,729/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,530/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,504
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,106
−HK$1,627/mo
Today · 4.125%
HK$54,733
baseline
▲ 0.50% · 4.625%
HK$58,064
+HK$3,331/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,466/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,297
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,834
−HK$1,559/mo
Today · 4.125%
HK$60,393
baseline
▲ 0.50% · 4.625%
HK$63,576
+HK$3,183/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,786/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,219
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,279
−HK$2,092/mo
Today · 4.125%
HK$70,371
baseline
▲ 0.50% · 4.625%
HK$74,653
+HK$4,282/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,742/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,668
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,644
−HK$2,004/mo
Today · 4.125%
HK$77,648
baseline
▲ 0.50% · 4.625%
HK$81,741
+HK$4,093/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,296/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,003 · Scale 2, in force from 26 Feb 2026)