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$36,747
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,890
−HK$1,161/mo
Today · 4.125%
HK$39,051
baseline
▲ 0.50% · 4.625%
HK$41,427
+HK$2,376/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,102/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,881
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,977
−HK$1,112/mo
Today · 4.125%
HK$43,089
baseline
▲ 0.50% · 4.625%
HK$45,360
+HK$2,271/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,178/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,096
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,468
−HK$1,393/mo
Today · 4.125%
HK$46,861
baseline
▲ 0.50% · 4.625%
HK$49,713
+HK$2,852/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,722/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,057
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,372
−HK$1,335/mo
Today · 4.125%
HK$51,707
baseline
▲ 0.50% · 4.625%
HK$54,433
+HK$2,726/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,414/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,446
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,046
−HK$1,626/mo
Today · 4.125%
HK$54,672
baseline
▲ 0.50% · 4.625%
HK$57,998
+HK$3,326/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,344/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,233
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,768
−HK$1,557/mo
Today · 4.125%
HK$60,325
baseline
▲ 0.50% · 4.625%
HK$63,505
+HK$3,180/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,650/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,144
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,202
−HK$2,090/mo
Today · 4.125%
HK$70,292
baseline
▲ 0.50% · 4.625%
HK$74,569
+HK$4,277/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,584/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,585
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,558
−HK$2,002/mo
Today · 4.125%
HK$77,560
baseline
▲ 0.50% · 4.625%
HK$81,649
+HK$4,089/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,120/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,322 · Scale 2, in force from 26 Feb 2026)