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$36,808
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,952
−HK$1,164/mo
Today · 4.125%
HK$39,116
baseline
▲ 0.50% · 4.625%
HK$41,496
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,232/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,948
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,046
−HK$1,114/mo
Today · 4.125%
HK$43,160
baseline
▲ 0.50% · 4.625%
HK$45,435
+HK$2,275/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,320/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,169
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,543
−HK$1,396/mo
Today · 4.125%
HK$46,939
baseline
▲ 0.50% · 4.625%
HK$49,795
+HK$2,856/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,878/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,138
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,456
−HK$1,336/mo
Today · 4.125%
HK$51,792
baseline
▲ 0.50% · 4.625%
HK$54,522
+HK$2,730/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,584/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,531
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,133
−HK$1,629/mo
Today · 4.125%
HK$54,762
baseline
▲ 0.50% · 4.625%
HK$58,094
+HK$3,332/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,524/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,327
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,865
−HK$1,559/mo
Today · 4.125%
HK$60,424
baseline
▲ 0.50% · 4.625%
HK$63,610
+HK$3,186/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,848/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,254
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,314
−HK$2,094/mo
Today · 4.125%
HK$70,408
baseline
▲ 0.50% · 4.625%
HK$74,692
+HK$4,284/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,816/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,706
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,683
−HK$2,006/mo
Today · 4.125%
HK$77,689
baseline
▲ 0.50% · 4.625%
HK$81,784
+HK$4,095/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,378/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,320 · Scale 2, in force from 26 Feb 2026)