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$36,778
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,922
−HK$1,162/mo
Today · 4.125%
HK$39,084
baseline
▲ 0.50% · 4.625%
HK$41,462
+HK$2,378/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,168/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,915
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,012
−HK$1,113/mo
Today · 4.125%
HK$43,125
baseline
▲ 0.50% · 4.625%
HK$45,398
+HK$2,273/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,250/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,133
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,506
−HK$1,395/mo
Today · 4.125%
HK$46,901
baseline
▲ 0.50% · 4.625%
HK$49,754
+HK$2,853/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,802/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,098
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,414
−HK$1,336/mo
Today · 4.125%
HK$51,750
baseline
▲ 0.50% · 4.625%
HK$54,478
+HK$2,728/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,500/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,489
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,090
−HK$1,627/mo
Today · 4.125%
HK$54,717
baseline
▲ 0.50% · 4.625%
HK$58,047
+HK$3,330/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,434/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,280
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,817
−HK$1,558/mo
Today · 4.125%
HK$60,375
baseline
▲ 0.50% · 4.625%
HK$63,558
+HK$3,183/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,750/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,200
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,259
−HK$2,092/mo
Today · 4.125%
HK$70,351
baseline
▲ 0.50% · 4.625%
HK$74,632
+HK$4,281/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,702/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,646
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,622
−HK$2,003/mo
Today · 4.125%
HK$77,625
baseline
▲ 0.50% · 4.625%
HK$81,717
+HK$4,092/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,250/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,826 · Scale 2, in force from 26 Feb 2026)