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$36,797
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,941
−HK$1,163/mo
Today · 4.125%
HK$39,104
baseline
▲ 0.50% · 4.625%
HK$41,484
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,208/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,936
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,034
−HK$1,114/mo
Today · 4.125%
HK$43,148
baseline
▲ 0.50% · 4.625%
HK$45,422
+HK$2,274/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,296/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,156
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,530
−HK$1,395/mo
Today · 4.125%
HK$46,925
baseline
▲ 0.50% · 4.625%
HK$49,780
+HK$2,855/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,850/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,123
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,441
−HK$1,336/mo
Today · 4.125%
HK$51,777
baseline
▲ 0.50% · 4.625%
HK$54,506
+HK$2,729/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,554/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,515
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,118
−HK$1,628/mo
Today · 4.125%
HK$54,746
baseline
▲ 0.50% · 4.625%
HK$58,077
+HK$3,331/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,492/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,310
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,847
−HK$1,560/mo
Today · 4.125%
HK$60,407
baseline
▲ 0.50% · 4.625%
HK$63,591
+HK$3,184/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,814/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,234
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,294
−HK$2,093/mo
Today · 4.125%
HK$70,387
baseline
▲ 0.50% · 4.625%
HK$74,670
+HK$4,283/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,774/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,685
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,661
−HK$2,005/mo
Today · 4.125%
HK$77,666
baseline
▲ 0.50% · 4.625%
HK$81,759
+HK$4,093/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,332/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,141 · Scale 2, in force from 26 Feb 2026)