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$36,900
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,048
−HK$1,166/mo
Today · 4.125%
HK$39,214
baseline
▲ 0.50% · 4.625%
HK$41,601
+HK$2,387/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,428/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,051
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,152
−HK$1,117/mo
Today · 4.125%
HK$43,269
baseline
▲ 0.50% · 4.625%
HK$45,550
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,538/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,281
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,658
−HK$1,399/mo
Today · 4.125%
HK$47,057
baseline
▲ 0.50% · 4.625%
HK$49,921
+HK$2,864/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,114/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,262
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,583
−HK$1,340/mo
Today · 4.125%
HK$51,923
baseline
▲ 0.50% · 4.625%
HK$54,660
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,846/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,661
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,268
−HK$1,632/mo
Today · 4.125%
HK$54,900
baseline
▲ 0.50% · 4.625%
HK$58,241
+HK$3,341/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$109,800/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,472
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,013
−HK$1,564/mo
Today · 4.125%
HK$60,577
baseline
▲ 0.50% · 4.625%
HK$63,770
+HK$3,193/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$121,154/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,421
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,487
−HK$2,099/mo
Today · 4.125%
HK$70,586
baseline
▲ 0.50% · 4.625%
HK$74,881
+HK$4,295/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,172/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,893
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,874
−HK$2,011/mo
Today · 4.125%
HK$77,885
baseline
▲ 0.50% · 4.625%
HK$81,990
+HK$4,105/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,770/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,848 · Scale 2, in force from 26 Feb 2026)