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$36,817
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,963
−HK$1,163/mo
Today · 4.125%
HK$39,126
baseline
▲ 0.50% · 4.625%
HK$41,507
+HK$2,381/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,252/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,959
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,057
−HK$1,115/mo
Today · 4.125%
HK$43,172
baseline
▲ 0.50% · 4.625%
HK$45,447
+HK$2,275/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,344/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,181
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,555
−HK$1,396/mo
Today · 4.125%
HK$46,951
baseline
▲ 0.50% · 4.625%
HK$49,808
+HK$2,857/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,902/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,151
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,469
−HK$1,337/mo
Today · 4.125%
HK$51,806
baseline
▲ 0.50% · 4.625%
HK$54,537
+HK$2,731/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,612/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,544
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,148
−HK$1,629/mo
Today · 4.125%
HK$54,777
baseline
▲ 0.50% · 4.625%
HK$58,110
+HK$3,333/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,554/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,343
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,880
−HK$1,561/mo
Today · 4.125%
HK$60,441
baseline
▲ 0.50% · 4.625%
HK$63,626
+HK$3,185/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,882/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,271
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,333
−HK$2,094/mo
Today · 4.125%
HK$70,427
baseline
▲ 0.50% · 4.625%
HK$74,712
+HK$4,285/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,854/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,726
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,703
−HK$2,006/mo
Today · 4.125%
HK$77,709
baseline
▲ 0.50% · 4.625%
HK$81,805
+HK$4,096/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,418/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,481 · Scale 2, in force from 26 Feb 2026)