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$36,711
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,853
−HK$1,160/mo
Today · 4.125%
HK$39,013
baseline
▲ 0.50% · 4.625%
HK$41,387
+HK$2,374/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,026/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,840
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,936
−HK$1,111/mo
Today · 4.125%
HK$43,047
baseline
▲ 0.50% · 4.625%
HK$45,316
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,094/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,053
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,423
−HK$1,392/mo
Today · 4.125%
HK$46,815
baseline
▲ 0.50% · 4.625%
HK$49,664
+HK$2,849/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,630/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,008
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,323
−HK$1,333/mo
Today · 4.125%
HK$51,656
baseline
▲ 0.50% · 4.625%
HK$54,379
+HK$2,723/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,312/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,395
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,994
−HK$1,624/mo
Today · 4.125%
HK$54,618
baseline
▲ 0.50% · 4.625%
HK$57,941
+HK$3,323/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,236/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,176
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,710
−HK$1,555/mo
Today · 4.125%
HK$60,265
baseline
▲ 0.50% · 4.625%
HK$63,442
+HK$3,177/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,530/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,079
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,135
−HK$2,088/mo
Today · 4.125%
HK$70,223
baseline
▲ 0.50% · 4.625%
HK$74,496
+HK$4,273/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,446/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,512
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,484
−HK$2,000/mo
Today · 4.125%
HK$77,484
baseline
▲ 0.50% · 4.625%
HK$81,568
+HK$4,084/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,968/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,726 · Scale 2, in force from 26 Feb 2026)