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$36,743
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,886
−HK$1,161/mo
Today · 4.125%
HK$39,047
baseline
▲ 0.50% · 4.625%
HK$41,423
+HK$2,376/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,094/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,876
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,973
−HK$1,112/mo
Today · 4.125%
HK$43,085
baseline
▲ 0.50% · 4.625%
HK$45,356
+HK$2,271/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,170/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,092
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,463
−HK$1,394/mo
Today · 4.125%
HK$46,857
baseline
▲ 0.50% · 4.625%
HK$49,708
+HK$2,851/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,714/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,052
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,367
−HK$1,335/mo
Today · 4.125%
HK$51,702
baseline
▲ 0.50% · 4.625%
HK$54,427
+HK$2,725/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,404/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,441
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,041
−HK$1,625/mo
Today · 4.125%
HK$54,666
baseline
▲ 0.50% · 4.625%
HK$57,993
+HK$3,327/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,332/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,227
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,762
−HK$1,557/mo
Today · 4.125%
HK$60,319
baseline
▲ 0.50% · 4.625%
HK$63,498
+HK$3,179/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,638/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,138
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,195
−HK$2,090/mo
Today · 4.125%
HK$70,285
baseline
▲ 0.50% · 4.625%
HK$74,562
+HK$4,277/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,570/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,578
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,551
−HK$2,002/mo
Today · 4.125%
HK$77,553
baseline
▲ 0.50% · 4.625%
HK$81,641
+HK$4,088/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,106/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,262 · Scale 2, in force from 26 Feb 2026)