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$36,866
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,013
−HK$1,165/mo
Today · 4.125%
HK$39,178
baseline
▲ 0.50% · 4.625%
HK$41,561
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,356/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,013
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,113
−HK$1,116/mo
Today · 4.125%
HK$43,229
baseline
▲ 0.50% · 4.625%
HK$45,507
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,458/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,239
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,615
−HK$1,398/mo
Today · 4.125%
HK$47,013
baseline
▲ 0.50% · 4.625%
HK$49,874
+HK$2,861/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,026/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,215
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,535
−HK$1,339/mo
Today · 4.125%
HK$51,874
baseline
▲ 0.50% · 4.625%
HK$54,609
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,748/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,612
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,218
−HK$1,631/mo
Today · 4.125%
HK$54,849
baseline
▲ 0.50% · 4.625%
HK$58,186
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,698/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,418
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,958
−HK$1,562/mo
Today · 4.125%
HK$60,520
baseline
▲ 0.50% · 4.625%
HK$63,710
+HK$3,190/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,040/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,358
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,423
−HK$2,097/mo
Today · 4.125%
HK$70,520
baseline
▲ 0.50% · 4.625%
HK$74,811
+HK$4,291/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,040/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,823
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,803
−HK$2,008/mo
Today · 4.125%
HK$77,811
baseline
▲ 0.50% · 4.625%
HK$81,913
+HK$4,102/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,622/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,277 · Scale 2, in force from 26 Feb 2026)