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$36,799
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,943
−HK$1,163/mo
Today · 4.125%
HK$39,106
baseline
▲ 0.50% · 4.625%
HK$41,486
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,212/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,938
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,036
−HK$1,114/mo
Today · 4.125%
HK$43,150
baseline
▲ 0.50% · 4.625%
HK$45,425
+HK$2,275/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,300/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$605,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,159
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,532
−HK$1,396/mo
Today · 4.125%
HK$46,928
baseline
▲ 0.50% · 4.625%
HK$49,783
+HK$2,855/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$93,856/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,126
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,443
−HK$1,337/mo
Today · 4.125%
HK$51,780
baseline
▲ 0.50% · 4.625%
HK$54,509
+HK$2,729/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$103,560/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,518
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,121
−HK$1,628/mo
Today · 4.125%
HK$54,749
baseline
▲ 0.50% · 4.625%
HK$58,080
+HK$3,331/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,498/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,314
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,851
−HK$1,559/mo
Today · 4.125%
HK$60,410
baseline
▲ 0.50% · 4.625%
HK$63,594
+HK$3,184/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,820/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,238
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,298
−HK$2,093/mo
Today · 4.125%
HK$70,391
baseline
▲ 0.50% · 4.625%
HK$74,675
+HK$4,284/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,782/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,689
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,665
−HK$2,005/mo
Today · 4.125%
HK$77,670
baseline
▲ 0.50% · 4.625%
HK$81,764
+HK$4,094/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,340/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,175 · Scale 2, in force from 26 Feb 2026)