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$36,776
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,920
−HK$1,163/mo
Today · 4.125%
HK$39,083
baseline
▲ 0.50% · 4.625%
HK$41,461
+HK$2,378/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,166/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,913
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,011
−HK$1,113/mo
Today · 4.125%
HK$43,124
baseline
▲ 0.50% · 4.625%
HK$45,397
+HK$2,273/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,248/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,132
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,505
−HK$1,394/mo
Today · 4.125%
HK$46,899
baseline
▲ 0.50% · 4.625%
HK$49,753
+HK$2,854/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,798/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,096
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,413
−HK$1,336/mo
Today · 4.125%
HK$51,749
baseline
▲ 0.50% · 4.625%
HK$54,476
+HK$2,727/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,498/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,487
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,089
−HK$1,627/mo
Today · 4.125%
HK$54,716
baseline
▲ 0.50% · 4.625%
HK$58,045
+HK$3,329/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,432/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,279
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,815
−HK$1,558/mo
Today · 4.125%
HK$60,373
baseline
▲ 0.50% · 4.625%
HK$63,556
+HK$3,183/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,746/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,198
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,257
−HK$2,092/mo
Today · 4.125%
HK$70,349
baseline
▲ 0.50% · 4.625%
HK$74,629
+HK$4,280/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,698/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,644
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,619
−HK$2,004/mo
Today · 4.125%
HK$77,623
baseline
▲ 0.50% · 4.625%
HK$81,715
+HK$4,092/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,246/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,808 · Scale 2, in force from 26 Feb 2026)