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$36,880
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,027
−HK$1,166/mo
Today · 4.125%
HK$39,193
baseline
▲ 0.50% · 4.625%
HK$41,577
+HK$2,384/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,386/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,029
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,129
−HK$1,116/mo
Today · 4.125%
HK$43,245
baseline
▲ 0.50% · 4.625%
HK$45,525
+HK$2,280/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,490/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,256
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,633
−HK$1,398/mo
Today · 4.125%
HK$47,031
baseline
▲ 0.50% · 4.625%
HK$49,893
+HK$2,862/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,062/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,234
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,555
−HK$1,339/mo
Today · 4.125%
HK$51,894
baseline
▲ 0.50% · 4.625%
HK$54,630
+HK$2,736/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,788/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,632
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,238
−HK$1,632/mo
Today · 4.125%
HK$54,870
baseline
▲ 0.50% · 4.625%
HK$58,208
+HK$3,338/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,740/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,440
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,981
−HK$1,562/mo
Today · 4.125%
HK$60,543
baseline
▲ 0.50% · 4.625%
HK$63,735
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,086/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,384
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,449
−HK$2,098/mo
Today · 4.125%
HK$70,547
baseline
▲ 0.50% · 4.625%
HK$74,839
+HK$4,292/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,094/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,851
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,832
−HK$2,009/mo
Today · 4.125%
HK$77,841
baseline
▲ 0.50% · 4.625%
HK$81,945
+HK$4,104/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,682/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,511 · Scale 2, in force from 26 Feb 2026)