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$36,805
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,950
−HK$1,163/mo
Today · 4.125%
HK$39,113
baseline
▲ 0.50% · 4.625%
HK$41,493
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,226/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,945
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,043
−HK$1,114/mo
Today · 4.125%
HK$43,157
baseline
▲ 0.50% · 4.625%
HK$45,432
+HK$2,275/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,314/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,166
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,540
−HK$1,396/mo
Today · 4.125%
HK$46,936
baseline
▲ 0.50% · 4.625%
HK$49,792
+HK$2,856/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$93,872/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,134
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,452
−HK$1,337/mo
Today · 4.125%
HK$51,789
baseline
▲ 0.50% · 4.625%
HK$54,519
+HK$2,730/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$103,578/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,527
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,130
−HK$1,628/mo
Today · 4.125%
HK$54,758
baseline
▲ 0.50% · 4.625%
HK$58,090
+HK$3,332/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,516/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,323
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,861
−HK$1,559/mo
Today · 4.125%
HK$60,420
baseline
▲ 0.50% · 4.625%
HK$63,605
+HK$3,185/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,840/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,249
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,310
−HK$2,093/mo
Today · 4.125%
HK$70,403
baseline
▲ 0.50% · 4.625%
HK$74,687
+HK$4,284/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,806/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,701
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,678
−HK$2,005/mo
Today · 4.125%
HK$77,683
baseline
▲ 0.50% · 4.625%
HK$81,778
+HK$4,095/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,366/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,279 · Scale 2, in force from 26 Feb 2026)