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$36,718
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,861
−HK$1,160/mo
Today · 4.125%
HK$39,021
baseline
▲ 0.50% · 4.625%
HK$41,395
+HK$2,374/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,042/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,849
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,944
−HK$1,112/mo
Today · 4.125%
HK$43,056
baseline
▲ 0.50% · 4.625%
HK$45,325
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,112/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,062
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,433
−HK$1,392/mo
Today · 4.125%
HK$46,825
baseline
▲ 0.50% · 4.625%
HK$49,674
+HK$2,849/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,650/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,019
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,333
−HK$1,334/mo
Today · 4.125%
HK$51,667
baseline
▲ 0.50% · 4.625%
HK$54,390
+HK$2,723/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,334/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,406
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$53,005
−HK$1,624/mo
Today · 4.125%
HK$54,629
baseline
▲ 0.50% · 4.625%
HK$57,953
+HK$3,324/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,258/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,188
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,722
−HK$1,556/mo
Today · 4.125%
HK$60,278
baseline
▲ 0.50% · 4.625%
HK$63,455
+HK$3,177/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,556/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,093
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,149
−HK$2,089/mo
Today · 4.125%
HK$70,238
baseline
▲ 0.50% · 4.625%
HK$74,511
+HK$4,273/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,476/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,528
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,500
−HK$2,000/mo
Today · 4.125%
HK$77,500
baseline
▲ 0.50% · 4.625%
HK$81,586
+HK$4,086/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$155,000/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,853 · Scale 2, in force from 26 Feb 2026)