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$36,872
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,019
−HK$1,166/mo
Today · 4.125%
HK$39,185
baseline
▲ 0.50% · 4.625%
HK$41,569
+HK$2,384/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,370/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,020
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,120
−HK$1,116/mo
Today · 4.125%
HK$43,236
baseline
▲ 0.50% · 4.625%
HK$45,515
+HK$2,279/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,472/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,247
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,623
−HK$1,399/mo
Today · 4.125%
HK$47,022
baseline
▲ 0.50% · 4.625%
HK$49,883
+HK$2,861/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,044/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,224
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,544
−HK$1,340/mo
Today · 4.125%
HK$51,884
baseline
▲ 0.50% · 4.625%
HK$54,619
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,768/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,621
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,227
−HK$1,631/mo
Today · 4.125%
HK$54,858
baseline
▲ 0.50% · 4.625%
HK$58,196
+HK$3,338/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,716/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,428
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,968
−HK$1,563/mo
Today · 4.125%
HK$60,531
baseline
▲ 0.50% · 4.625%
HK$63,722
+HK$3,191/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,062/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,370
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,435
−HK$2,097/mo
Today · 4.125%
HK$70,532
baseline
▲ 0.50% · 4.625%
HK$74,824
+HK$4,292/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,064/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,836
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,817
−HK$2,008/mo
Today · 4.125%
HK$77,825
baseline
▲ 0.50% · 4.625%
HK$81,928
+HK$4,103/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,650/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,386 · Scale 2, in force from 26 Feb 2026)