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$36,688
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,829
−HK$1,159/mo
Today · 4.125%
HK$38,988
baseline
▲ 0.50% · 4.625%
HK$41,361
+HK$2,373/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,976/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,815
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,909
−HK$1,111/mo
Today · 4.125%
HK$43,020
baseline
▲ 0.50% · 4.625%
HK$45,287
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,040/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,025
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,394
−HK$1,392/mo
Today · 4.125%
HK$46,786
baseline
▲ 0.50% · 4.625%
HK$49,633
+HK$2,847/mo
Deposit HK$6.44M · loan HK$9.65M · min. income ≈ HK$93,572/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,977
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,291
−HK$1,333/mo
Today · 4.125%
HK$51,624
baseline
▲ 0.50% · 4.625%
HK$54,345
+HK$2,721/mo
Deposit HK$6.44M · loan HK$9.65M · min. income ≈ HK$103,248/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,363
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,960
−HK$1,623/mo
Today · 4.125%
HK$54,583
baseline
▲ 0.50% · 4.625%
HK$57,905
+HK$3,322/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,166/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,140
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,673
−HK$1,554/mo
Today · 4.125%
HK$60,227
baseline
▲ 0.50% · 4.625%
HK$63,402
+HK$3,175/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,454/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,038
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,092
−HK$2,087/mo
Today · 4.125%
HK$70,179
baseline
▲ 0.50% · 4.625%
HK$74,449
+HK$4,270/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,358/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,466
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,436
−HK$1,999/mo
Today · 4.125%
HK$77,435
baseline
▲ 0.50% · 4.625%
HK$81,517
+HK$4,082/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,870/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,346 · Scale 2, in force from 26 Feb 2026)