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$36,829
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,975
−HK$1,164/mo
Today · 4.125%
HK$39,139
baseline
▲ 0.50% · 4.625%
HK$41,520
+HK$2,381/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,278/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,972
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,071
−HK$1,115/mo
Today · 4.125%
HK$43,186
baseline
▲ 0.50% · 4.625%
HK$45,462
+HK$2,276/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,372/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,195
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,570
−HK$1,397/mo
Today · 4.125%
HK$46,967
baseline
▲ 0.50% · 4.625%
HK$49,824
+HK$2,857/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,934/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,167
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,485
−HK$1,338/mo
Today · 4.125%
HK$51,823
baseline
▲ 0.50% · 4.625%
HK$54,555
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,646/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,561
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,165
−HK$1,629/mo
Today · 4.125%
HK$54,794
baseline
▲ 0.50% · 4.625%
HK$58,129
+HK$3,335/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,588/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,361
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,900
−HK$1,560/mo
Today · 4.125%
HK$60,460
baseline
▲ 0.50% · 4.625%
HK$63,647
+HK$3,187/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,920/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,293
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,355
−HK$2,095/mo
Today · 4.125%
HK$70,450
baseline
▲ 0.50% · 4.625%
HK$74,737
+HK$4,287/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,900/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,750
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,728
−HK$2,007/mo
Today · 4.125%
HK$77,735
baseline
▲ 0.50% · 4.625%
HK$81,832
+HK$4,097/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,470/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,678 · Scale 2, in force from 26 Feb 2026)