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$36,759
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,902
−HK$1,162/mo
Today · 4.125%
HK$39,064
baseline
▲ 0.50% · 4.625%
HK$41,441
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,128/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,894
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,991
−HK$1,112/mo
Today · 4.125%
HK$43,103
baseline
▲ 0.50% · 4.625%
HK$45,375
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,206/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,111
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,483
−HK$1,394/mo
Today · 4.125%
HK$46,877
baseline
▲ 0.50% · 4.625%
HK$49,729
+HK$2,852/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,754/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,073
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,389
−HK$1,335/mo
Today · 4.125%
HK$51,724
baseline
▲ 0.50% · 4.625%
HK$54,450
+HK$2,726/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,448/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,462
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,063
−HK$1,627/mo
Today · 4.125%
HK$54,690
baseline
▲ 0.50% · 4.625%
HK$58,017
+HK$3,327/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$109,380/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,252
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,787
−HK$1,558/mo
Today · 4.125%
HK$60,345
baseline
▲ 0.50% · 4.625%
HK$63,525
+HK$3,180/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$120,690/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,166
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,224
−HK$2,091/mo
Today · 4.125%
HK$70,315
baseline
▲ 0.50% · 4.625%
HK$74,594
+HK$4,279/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,630/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,609
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,583
−HK$2,003/mo
Today · 4.125%
HK$77,586
baseline
▲ 0.50% · 4.625%
HK$81,676
+HK$4,090/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,172/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,520 · Scale 2, in force from 26 Feb 2026)