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$36,820
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,965
−HK$1,164/mo
Today · 4.125%
HK$39,129
baseline
▲ 0.50% · 4.625%
HK$41,510
+HK$2,381/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,258/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,962
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,061
−HK$1,114/mo
Today · 4.125%
HK$43,175
baseline
▲ 0.50% · 4.625%
HK$45,451
+HK$2,276/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,350/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,184
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,558
−HK$1,397/mo
Today · 4.125%
HK$46,955
baseline
▲ 0.50% · 4.625%
HK$49,812
+HK$2,857/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,910/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,154
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,473
−HK$1,337/mo
Today · 4.125%
HK$51,810
baseline
▲ 0.50% · 4.625%
HK$54,541
+HK$2,731/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,620/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,548
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,152
−HK$1,629/mo
Today · 4.125%
HK$54,781
baseline
▲ 0.50% · 4.625%
HK$58,114
+HK$3,333/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,562/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,347
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,885
−HK$1,560/mo
Today · 4.125%
HK$60,445
baseline
▲ 0.50% · 4.625%
HK$63,631
+HK$3,186/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,890/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,276
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,338
−HK$2,094/mo
Today · 4.125%
HK$70,432
baseline
▲ 0.50% · 4.625%
HK$74,718
+HK$4,286/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,864/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,732
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,709
−HK$2,006/mo
Today · 4.125%
HK$77,715
baseline
▲ 0.50% · 4.625%
HK$81,811
+HK$4,096/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,430/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,526 · Scale 2, in force from 26 Feb 2026)