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$36,865
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,012
−HK$1,165/mo
Today · 4.125%
HK$39,177
baseline
▲ 0.50% · 4.625%
HK$41,561
+HK$2,384/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,354/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,012
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,112
−HK$1,116/mo
Today · 4.125%
HK$43,228
baseline
▲ 0.50% · 4.625%
HK$45,507
+HK$2,279/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,456/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,238
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,614
−HK$1,398/mo
Today · 4.125%
HK$47,012
baseline
▲ 0.50% · 4.625%
HK$49,873
+HK$2,861/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,024/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,215
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,534
−HK$1,339/mo
Today · 4.125%
HK$51,873
baseline
▲ 0.50% · 4.625%
HK$54,608
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,746/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,611
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,217
−HK$1,631/mo
Today · 4.125%
HK$54,848
baseline
▲ 0.50% · 4.625%
HK$58,185
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,696/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,417
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,957
−HK$1,562/mo
Today · 4.125%
HK$60,519
baseline
▲ 0.50% · 4.625%
HK$63,709
+HK$3,190/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,038/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,357
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,421
−HK$2,098/mo
Today · 4.125%
HK$70,519
baseline
▲ 0.50% · 4.625%
HK$74,809
+HK$4,290/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,038/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,822
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,802
−HK$2,008/mo
Today · 4.125%
HK$77,810
baseline
▲ 0.50% · 4.625%
HK$81,912
+HK$4,102/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,620/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,268 · Scale 2, in force from 26 Feb 2026)