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$36,756
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,899
−HK$1,162/mo
Today · 4.125%
HK$39,061
baseline
▲ 0.50% · 4.625%
HK$41,438
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,122/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,891
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,987
−HK$1,113/mo
Today · 4.125%
HK$43,100
baseline
▲ 0.50% · 4.625%
HK$45,372
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,200/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,107
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,479
−HK$1,394/mo
Today · 4.125%
HK$46,873
baseline
▲ 0.50% · 4.625%
HK$49,725
+HK$2,852/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,746/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,069
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,385
−HK$1,335/mo
Today · 4.125%
HK$51,720
baseline
▲ 0.50% · 4.625%
HK$54,446
+HK$2,726/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,440/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,459
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,059
−HK$1,626/mo
Today · 4.125%
HK$54,685
baseline
▲ 0.50% · 4.625%
HK$58,013
+HK$3,328/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$109,370/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,247
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,782
−HK$1,558/mo
Today · 4.125%
HK$60,340
baseline
▲ 0.50% · 4.625%
HK$63,521
+HK$3,181/mo
Deposit HK$4.84M · loan HK$11.28M · min. income ≈ HK$120,680/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,161
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,219
−HK$2,091/mo
Today · 4.125%
HK$70,310
baseline
▲ 0.50% · 4.625%
HK$74,588
+HK$4,278/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,620/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,603
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,577
−HK$2,003/mo
Today · 4.125%
HK$77,580
baseline
▲ 0.50% · 4.625%
HK$81,669
+HK$4,089/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,160/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,474 · Scale 2, in force from 26 Feb 2026)