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$36,709
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,851
−HK$1,160/mo
Today · 4.125%
HK$39,011
baseline
▲ 0.50% · 4.625%
HK$41,385
+HK$2,374/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,022/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,839
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,934
−HK$1,111/mo
Today · 4.125%
HK$43,045
baseline
▲ 0.50% · 4.625%
HK$45,314
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,090/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,051
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,421
−HK$1,393/mo
Today · 4.125%
HK$46,814
baseline
▲ 0.50% · 4.625%
HK$49,662
+HK$2,848/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,628/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,006
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,321
−HK$1,333/mo
Today · 4.125%
HK$51,654
baseline
▲ 0.50% · 4.625%
HK$54,377
+HK$2,723/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,308/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,393
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,992
−HK$1,624/mo
Today · 4.125%
HK$54,616
baseline
▲ 0.50% · 4.625%
HK$57,939
+HK$3,323/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,232/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,174
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,708
−HK$1,555/mo
Today · 4.125%
HK$60,263
baseline
▲ 0.50% · 4.625%
HK$63,440
+HK$3,177/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,526/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,077
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,132
−HK$2,088/mo
Today · 4.125%
HK$70,220
baseline
▲ 0.50% · 4.625%
HK$74,493
+HK$4,273/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,440/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,510
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,481
−HK$2,000/mo
Today · 4.125%
HK$77,481
baseline
▲ 0.50% · 4.625%
HK$81,565
+HK$4,084/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,962/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,704 · Scale 2, in force from 26 Feb 2026)