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$36,683
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,824
−HK$1,159/mo
Today · 4.125%
HK$38,983
baseline
▲ 0.50% · 4.625%
HK$41,356
+HK$2,373/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,966/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,810
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,904
−HK$1,110/mo
Today · 4.125%
HK$43,014
baseline
▲ 0.50% · 4.625%
HK$45,282
+HK$2,268/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,028/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,020
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,389
−HK$1,391/mo
Today · 4.125%
HK$46,780
baseline
▲ 0.50% · 4.625%
HK$49,627
+HK$2,847/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,560/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,972
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,285
−HK$1,332/mo
Today · 4.125%
HK$51,617
baseline
▲ 0.50% · 4.625%
HK$54,338
+HK$2,721/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,234/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,356
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,954
−HK$1,623/mo
Today · 4.125%
HK$54,577
baseline
▲ 0.50% · 4.625%
HK$57,898
+HK$3,321/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,154/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,133
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,666
−HK$1,554/mo
Today · 4.125%
HK$60,220
baseline
▲ 0.50% · 4.625%
HK$63,395
+HK$3,175/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,440/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,030
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,084
−HK$2,086/mo
Today · 4.125%
HK$70,170
baseline
▲ 0.50% · 4.625%
HK$74,440
+HK$4,270/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,340/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,457
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,427
−HK$1,999/mo
Today · 4.125%
HK$77,426
baseline
▲ 0.50% · 4.625%
HK$81,507
+HK$4,081/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,852/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,274 · Scale 2, in force from 26 Feb 2026)