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$36,870
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,017
−HK$1,166/mo
Today · 4.125%
HK$39,183
baseline
▲ 0.50% · 4.625%
HK$41,567
+HK$2,384/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,366/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,018
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,118
−HK$1,116/mo
Today · 4.125%
HK$43,234
baseline
▲ 0.50% · 4.625%
HK$45,513
+HK$2,279/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,468/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,245
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,621
−HK$1,398/mo
Today · 4.125%
HK$47,019
baseline
▲ 0.50% · 4.625%
HK$49,880
+HK$2,861/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,038/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,222
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,542
−HK$1,339/mo
Today · 4.125%
HK$51,881
baseline
▲ 0.50% · 4.625%
HK$54,616
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,762/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,619
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,224
−HK$1,632/mo
Today · 4.125%
HK$54,856
baseline
▲ 0.50% · 4.625%
HK$58,193
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,712/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,425
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,965
−HK$1,563/mo
Today · 4.125%
HK$60,528
baseline
▲ 0.50% · 4.625%
HK$63,718
+HK$3,190/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,056/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,367
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,431
−HK$2,098/mo
Today · 4.125%
HK$70,529
baseline
▲ 0.50% · 4.625%
HK$74,820
+HK$4,291/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,058/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,832
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,813
−HK$2,008/mo
Today · 4.125%
HK$77,821
baseline
▲ 0.50% · 4.625%
HK$81,923
+HK$4,102/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,642/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,354 · Scale 2, in force from 26 Feb 2026)