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$36,896
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,044
−HK$1,166/mo
Today · 4.125%
HK$39,210
baseline
▲ 0.50% · 4.625%
HK$41,596
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,420/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,046
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,147
−HK$1,117/mo
Today · 4.125%
HK$43,264
baseline
▲ 0.50% · 4.625%
HK$45,545
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,528/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,275
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,652
−HK$1,400/mo
Today · 4.125%
HK$47,052
baseline
▲ 0.50% · 4.625%
HK$49,915
+HK$2,863/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,104/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,256
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,577
−HK$1,340/mo
Today · 4.125%
HK$51,917
baseline
▲ 0.50% · 4.625%
HK$54,654
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,834/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,654
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,261
−HK$1,633/mo
Today · 4.125%
HK$54,894
baseline
▲ 0.50% · 4.625%
HK$58,234
+HK$3,340/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$109,788/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,465
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,006
−HK$1,564/mo
Today · 4.125%
HK$60,570
baseline
▲ 0.50% · 4.625%
HK$63,762
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$121,140/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,413
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,479
−HK$2,099/mo
Today · 4.125%
HK$70,578
baseline
▲ 0.50% · 4.625%
HK$74,872
+HK$4,294/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,156/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,884
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,865
−HK$2,010/mo
Today · 4.125%
HK$77,875
baseline
▲ 0.50% · 4.625%
HK$81,980
+HK$4,105/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,750/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,775 · Scale 2, in force from 26 Feb 2026)