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$36,834
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,980
−HK$1,164/mo
Today · 4.125%
HK$39,144
baseline
▲ 0.50% · 4.625%
HK$41,526
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,288/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,978
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,077
−HK$1,115/mo
Today · 4.125%
HK$43,192
baseline
▲ 0.50% · 4.625%
HK$45,469
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,384/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,201
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,576
−HK$1,397/mo
Today · 4.125%
HK$46,973
baseline
▲ 0.50% · 4.625%
HK$49,831
+HK$2,858/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,946/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,174
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,492
−HK$1,338/mo
Today · 4.125%
HK$51,830
baseline
▲ 0.50% · 4.625%
HK$54,562
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,660/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,568
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,172
−HK$1,630/mo
Today · 4.125%
HK$54,802
baseline
▲ 0.50% · 4.625%
HK$58,137
+HK$3,335/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,604/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,369
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,908
−HK$1,561/mo
Today · 4.125%
HK$60,469
baseline
▲ 0.50% · 4.625%
HK$63,656
+HK$3,187/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,938/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,302
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,364
−HK$2,096/mo
Today · 4.125%
HK$70,460
baseline
▲ 0.50% · 4.625%
HK$74,747
+HK$4,287/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,920/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,760
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,739
−HK$2,006/mo
Today · 4.125%
HK$77,745
baseline
▲ 0.50% · 4.625%
HK$81,843
+HK$4,098/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,490/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,762 · Scale 2, in force from 26 Feb 2026)