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$36,749
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,892
−HK$1,162/mo
Today · 4.125%
HK$39,054
baseline
▲ 0.50% · 4.625%
HK$41,430
+HK$2,376/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,108/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,883
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,979
−HK$1,113/mo
Today · 4.125%
HK$43,092
baseline
▲ 0.50% · 4.625%
HK$45,363
+HK$2,271/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,184/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,099
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,471
−HK$1,393/mo
Today · 4.125%
HK$46,864
baseline
▲ 0.50% · 4.625%
HK$49,716
+HK$2,852/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,728/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,060
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,375
−HK$1,335/mo
Today · 4.125%
HK$51,710
baseline
▲ 0.50% · 4.625%
HK$54,436
+HK$2,726/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,420/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,449
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,049
−HK$1,626/mo
Today · 4.125%
HK$54,675
baseline
▲ 0.50% · 4.625%
HK$58,002
+HK$3,327/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,350/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,236
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,771
−HK$1,557/mo
Today · 4.125%
HK$60,328
baseline
▲ 0.50% · 4.625%
HK$63,508
+HK$3,180/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,656/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,148
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,206
−HK$2,090/mo
Today · 4.125%
HK$70,296
baseline
▲ 0.50% · 4.625%
HK$74,574
+HK$4,278/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,592/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,589
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,563
−HK$2,002/mo
Today · 4.125%
HK$77,565
baseline
▲ 0.50% · 4.625%
HK$81,654
+HK$4,089/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,130/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,358 · Scale 2, in force from 26 Feb 2026)