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$36,790
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,934
−HK$1,163/mo
Today · 4.125%
HK$39,097
baseline
▲ 0.50% · 4.625%
HK$41,476
+HK$2,379/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,194/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,928
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,026
−HK$1,114/mo
Today · 4.125%
HK$43,140
baseline
▲ 0.50% · 4.625%
HK$45,414
+HK$2,274/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,280/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,148
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,521
−HK$1,395/mo
Today · 4.125%
HK$46,916
baseline
▲ 0.50% · 4.625%
HK$49,771
+HK$2,855/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,832/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,114
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,431
−HK$1,337/mo
Today · 4.125%
HK$51,768
baseline
▲ 0.50% · 4.625%
HK$54,496
+HK$2,728/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,536/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,506
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,108
−HK$1,628/mo
Today · 4.125%
HK$54,736
baseline
▲ 0.50% · 4.625%
HK$58,066
+HK$3,330/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,472/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,300
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,837
−HK$1,558/mo
Today · 4.125%
HK$60,395
baseline
▲ 0.50% · 4.625%
HK$63,579
+HK$3,184/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,790/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,222
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,282
−HK$2,093/mo
Today · 4.125%
HK$70,375
baseline
▲ 0.50% · 4.625%
HK$74,657
+HK$4,282/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,750/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,671
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,647
−HK$2,004/mo
Today · 4.125%
HK$77,651
baseline
▲ 0.50% · 4.625%
HK$81,744
+HK$4,093/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,302/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,030 · Scale 2, in force from 26 Feb 2026)