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$36,755
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,899
−HK$1,161/mo
Today · 4.125%
HK$39,060
baseline
▲ 0.50% · 4.625%
HK$41,437
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,120/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,890
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,987
−HK$1,112/mo
Today · 4.125%
HK$43,099
baseline
▲ 0.50% · 4.625%
HK$45,371
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,198/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,107
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,479
−HK$1,393/mo
Today · 4.125%
HK$46,872
baseline
▲ 0.50% · 4.625%
HK$49,725
+HK$2,853/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,744/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,068
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,384
−HK$1,335/mo
Today · 4.125%
HK$51,719
baseline
▲ 0.50% · 4.625%
HK$54,445
+HK$2,726/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,438/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,458
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,058
−HK$1,627/mo
Today · 4.125%
HK$54,685
baseline
▲ 0.50% · 4.625%
HK$58,012
+HK$3,327/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$109,370/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,246
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,781
−HK$1,558/mo
Today · 4.125%
HK$60,339
baseline
▲ 0.50% · 4.625%
HK$63,520
+HK$3,181/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$120,678/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,160
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,218
−HK$2,091/mo
Today · 4.125%
HK$70,309
baseline
▲ 0.50% · 4.625%
HK$74,587
+HK$4,278/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,618/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,602
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,576
−HK$2,003/mo
Today · 4.125%
HK$77,579
baseline
▲ 0.50% · 4.625%
HK$81,668
+HK$4,089/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,158/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,464 · Scale 2, in force from 26 Feb 2026)