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$36,766
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,910
−HK$1,161/mo
Today · 4.125%
HK$39,071
baseline
▲ 0.50% · 4.625%
HK$41,449
+HK$2,378/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,142/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,902
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,999
−HK$1,112/mo
Today · 4.125%
HK$43,111
baseline
▲ 0.50% · 4.625%
HK$45,384
+HK$2,273/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,222/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,119
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,491
−HK$1,395/mo
Today · 4.125%
HK$46,886
baseline
▲ 0.50% · 4.625%
HK$49,739
+HK$2,853/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,772/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,082
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,398
−HK$1,336/mo
Today · 4.125%
HK$51,734
baseline
▲ 0.50% · 4.625%
HK$54,461
+HK$2,727/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,468/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,472
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,073
−HK$1,627/mo
Today · 4.125%
HK$54,700
baseline
▲ 0.50% · 4.625%
HK$58,028
+HK$3,328/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,400/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,262
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,798
−HK$1,558/mo
Today · 4.125%
HK$60,356
baseline
▲ 0.50% · 4.625%
HK$63,538
+HK$3,182/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,712/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,179
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,237
−HK$2,092/mo
Today · 4.125%
HK$70,329
baseline
▲ 0.50% · 4.625%
HK$74,608
+HK$4,279/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,658/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,623
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,598
−HK$2,003/mo
Today · 4.125%
HK$77,601
baseline
▲ 0.50% · 4.625%
HK$81,691
+HK$4,090/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,202/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,635 · Scale 2, in force from 26 Feb 2026)