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$36,859
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,005
−HK$1,165/mo
Today · 4.125%
HK$39,170
baseline
▲ 0.50% · 4.625%
HK$41,553
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,340/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,005
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,104
−HK$1,116/mo
Today · 4.125%
HK$43,220
baseline
▲ 0.50% · 4.625%
HK$45,498
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,440/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,230
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,606
−HK$1,398/mo
Today · 4.125%
HK$47,004
baseline
▲ 0.50% · 4.625%
HK$49,864
+HK$2,860/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,008/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,206
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,525
−HK$1,339/mo
Today · 4.125%
HK$51,864
baseline
▲ 0.50% · 4.625%
HK$54,598
+HK$2,734/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,728/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,602
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,207
−HK$1,631/mo
Today · 4.125%
HK$54,838
baseline
▲ 0.50% · 4.625%
HK$58,175
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,676/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,407
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,946
−HK$1,562/mo
Today · 4.125%
HK$60,508
baseline
▲ 0.50% · 4.625%
HK$63,698
+HK$3,190/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$121,016/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,345
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,409
−HK$2,097/mo
Today · 4.125%
HK$70,506
baseline
▲ 0.50% · 4.625%
HK$74,796
+HK$4,290/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,012/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,809
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,788
−HK$2,008/mo
Today · 4.125%
HK$77,796
baseline
▲ 0.50% · 4.625%
HK$81,897
+HK$4,101/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,592/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,158 · Scale 2, in force from 26 Feb 2026)