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$36,767
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,911
−HK$1,162/mo
Today · 4.125%
HK$39,073
baseline
▲ 0.50% · 4.625%
HK$41,450
+HK$2,377/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,146/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,903
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,000
−HK$1,113/mo
Today · 4.125%
HK$43,113
baseline
▲ 0.50% · 4.625%
HK$45,385
+HK$2,272/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,226/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,120
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,493
−HK$1,394/mo
Today · 4.125%
HK$46,887
baseline
▲ 0.50% · 4.625%
HK$49,740
+HK$2,853/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$93,774/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,083
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,400
−HK$1,335/mo
Today · 4.125%
HK$51,735
baseline
▲ 0.50% · 4.625%
HK$54,462
+HK$2,727/mo
Deposit HK$6.45M · loan HK$9.67M · min. income ≈ HK$103,470/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,474
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,075
−HK$1,627/mo
Today · 4.125%
HK$54,702
baseline
▲ 0.50% · 4.625%
HK$58,030
+HK$3,328/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,404/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,264
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,800
−HK$1,558/mo
Today · 4.125%
HK$60,358
baseline
▲ 0.50% · 4.625%
HK$63,539
+HK$3,181/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,716/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,180
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,239
−HK$2,092/mo
Today · 4.125%
HK$70,331
baseline
▲ 0.50% · 4.625%
HK$74,610
+HK$4,279/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$140,662/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,625
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,600
−HK$2,003/mo
Today · 4.125%
HK$77,603
baseline
▲ 0.50% · 4.625%
HK$81,693
+HK$4,090/mo
Deposit HK$1.61M · loan HK$14.51M · min. income ≈ HK$155,206/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,652 · Scale 2, in force from 26 Feb 2026)