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$36,775
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,919
−HK$1,162/mo
Today · 4.125%
HK$39,081
baseline
▲ 0.50% · 4.625%
HK$41,459
+HK$2,378/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,162/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,912
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,009
−HK$1,113/mo
Today · 4.125%
HK$43,122
baseline
▲ 0.50% · 4.625%
HK$45,396
+HK$2,274/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,244/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,130
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,503
−HK$1,395/mo
Today · 4.125%
HK$46,898
baseline
▲ 0.50% · 4.625%
HK$49,751
+HK$2,853/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,796/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,095
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,411
−HK$1,336/mo
Today · 4.125%
HK$51,747
baseline
▲ 0.50% · 4.625%
HK$54,475
+HK$2,728/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,494/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,485
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,087
−HK$1,627/mo
Today · 4.125%
HK$54,714
baseline
▲ 0.50% · 4.625%
HK$58,043
+HK$3,329/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,428/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,277
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,813
−HK$1,558/mo
Today · 4.125%
HK$60,371
baseline
▲ 0.50% · 4.625%
HK$63,554
+HK$3,183/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,742/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,195
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,255
−HK$2,092/mo
Today · 4.125%
HK$70,347
baseline
▲ 0.50% · 4.625%
HK$74,627
+HK$4,280/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,694/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,642
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,617
−HK$2,003/mo
Today · 4.125%
HK$77,620
baseline
▲ 0.50% · 4.625%
HK$81,712
+HK$4,092/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,240/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,789 · Scale 2, in force from 26 Feb 2026)