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$36,706
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,848
−HK$1,160/mo
Today · 4.125%
HK$39,008
baseline
▲ 0.50% · 4.625%
HK$41,382
+HK$2,374/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,016/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,835
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,930
−HK$1,111/mo
Today · 4.125%
HK$43,041
baseline
▲ 0.50% · 4.625%
HK$45,310
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,082/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,047
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,418
−HK$1,392/mo
Today · 4.125%
HK$46,810
baseline
▲ 0.50% · 4.625%
HK$49,658
+HK$2,848/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,620/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,002
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,317
−HK$1,333/mo
Today · 4.125%
HK$51,650
baseline
▲ 0.50% · 4.625%
HK$54,372
+HK$2,722/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,300/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,389
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,987
−HK$1,624/mo
Today · 4.125%
HK$54,611
baseline
▲ 0.50% · 4.625%
HK$57,934
+HK$3,323/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,222/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,169
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,703
−HK$1,555/mo
Today · 4.125%
HK$60,258
baseline
▲ 0.50% · 4.625%
HK$63,434
+HK$3,176/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,516/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,071
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,126
−HK$2,088/mo
Today · 4.125%
HK$70,214
baseline
▲ 0.50% · 4.625%
HK$74,487
+HK$4,273/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,428/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,503
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,475
−HK$2,000/mo
Today · 4.125%
HK$77,475
baseline
▲ 0.50% · 4.625%
HK$81,558
+HK$4,083/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,950/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,653 · Scale 2, in force from 26 Feb 2026)