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$36,777
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,921
−HK$1,162/mo
Today · 4.125%
HK$39,083
baseline
▲ 0.50% · 4.625%
HK$41,461
+HK$2,378/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,166/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,914
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,011
−HK$1,113/mo
Today · 4.125%
HK$43,124
baseline
▲ 0.50% · 4.625%
HK$45,398
+HK$2,274/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,248/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,132
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,505
−HK$1,395/mo
Today · 4.125%
HK$46,900
baseline
▲ 0.50% · 4.625%
HK$49,754
+HK$2,854/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,800/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,097
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,414
−HK$1,335/mo
Today · 4.125%
HK$51,749
baseline
▲ 0.50% · 4.625%
HK$54,477
+HK$2,728/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,498/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,488
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,089
−HK$1,627/mo
Today · 4.125%
HK$54,716
baseline
▲ 0.50% · 4.625%
HK$58,046
+HK$3,330/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,432/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,280
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,816
−HK$1,558/mo
Today · 4.125%
HK$60,374
baseline
▲ 0.50% · 4.625%
HK$63,557
+HK$3,183/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,748/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,199
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,258
−HK$2,092/mo
Today · 4.125%
HK$70,350
baseline
▲ 0.50% · 4.625%
HK$74,630
+HK$4,280/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,700/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,645
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,620
−HK$2,004/mo
Today · 4.125%
HK$77,624
baseline
▲ 0.50% · 4.625%
HK$81,716
+HK$4,092/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,248/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,817 · Scale 2, in force from 26 Feb 2026)