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$36,917
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,065
−HK$1,167/mo
Today · 4.125%
HK$39,232
baseline
▲ 0.50% · 4.625%
HK$41,619
+HK$2,387/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,464/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,070
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,171
−HK$1,118/mo
Today · 4.125%
HK$43,289
baseline
▲ 0.50% · 4.625%
HK$45,570
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,578/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,300
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,678
−HK$1,400/mo
Today · 4.125%
HK$47,078
baseline
▲ 0.50% · 4.625%
HK$49,943
+HK$2,865/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$94,156/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,284
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,605
−HK$1,341/mo
Today · 4.125%
HK$51,946
baseline
▲ 0.50% · 4.625%
HK$54,684
+HK$2,738/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$103,892/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,684
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,291
−HK$1,634/mo
Today · 4.125%
HK$54,925
baseline
▲ 0.50% · 4.625%
HK$58,267
+HK$3,342/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,850/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,498
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,040
−HK$1,564/mo
Today · 4.125%
HK$60,604
baseline
▲ 0.50% · 4.625%
HK$63,799
+HK$3,195/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,208/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,451
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,517
−HK$2,101/mo
Today · 4.125%
HK$70,618
baseline
▲ 0.50% · 4.625%
HK$74,914
+HK$4,296/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,236/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,926
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,908
−HK$2,011/mo
Today · 4.125%
HK$77,919
baseline
▲ 0.50% · 4.625%
HK$82,027
+HK$4,108/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,838/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,119 · Scale 2, in force from 26 Feb 2026)