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$36,894
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,042
−HK$1,166/mo
Today · 4.125%
HK$39,208
baseline
▲ 0.50% · 4.625%
HK$41,594
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,416/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,044
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,145
−HK$1,117/mo
Today · 4.125%
HK$43,262
baseline
▲ 0.50% · 4.625%
HK$45,542
+HK$2,280/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,524/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,273
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,650
−HK$1,399/mo
Today · 4.125%
HK$47,049
baseline
▲ 0.50% · 4.625%
HK$49,912
+HK$2,863/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,098/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,253
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,574
−HK$1,340/mo
Today · 4.125%
HK$51,914
baseline
▲ 0.50% · 4.625%
HK$54,651
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,828/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,652
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,259
−HK$1,632/mo
Today · 4.125%
HK$54,891
baseline
▲ 0.50% · 4.625%
HK$58,231
+HK$3,340/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$109,782/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,462
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,003
−HK$1,564/mo
Today · 4.125%
HK$60,567
baseline
▲ 0.50% · 4.625%
HK$63,759
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$121,134/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,410
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,475
−HK$2,099/mo
Today · 4.125%
HK$70,574
baseline
▲ 0.50% · 4.625%
HK$74,868
+HK$4,294/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,148/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,880
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,861
−HK$2,011/mo
Today · 4.125%
HK$77,872
baseline
▲ 0.50% · 4.625%
HK$81,976
+HK$4,104/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,744/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,745 · Scale 2, in force from 26 Feb 2026)