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$36,695
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,837
−HK$1,160/mo
Today · 4.125%
HK$38,997
baseline
▲ 0.50% · 4.625%
HK$41,369
+HK$2,372/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$77,994/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,823
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,918
−HK$1,111/mo
Today · 4.125%
HK$43,029
baseline
▲ 0.50% · 4.625%
HK$45,297
+HK$2,268/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,058/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,034
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,404
−HK$1,392/mo
Today · 4.125%
HK$46,796
baseline
▲ 0.50% · 4.625%
HK$49,643
+HK$2,847/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,592/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,988
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,302
−HK$1,333/mo
Today · 4.125%
HK$51,635
baseline
▲ 0.50% · 4.625%
HK$54,356
+HK$2,721/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,270/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,374
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,972
−HK$1,623/mo
Today · 4.125%
HK$54,595
baseline
▲ 0.50% · 4.625%
HK$57,917
+HK$3,322/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,190/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,153
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,685
−HK$1,555/mo
Today · 4.125%
HK$60,240
baseline
▲ 0.50% · 4.625%
HK$63,416
+HK$3,176/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,480/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,052
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,106
−HK$2,088/mo
Today · 4.125%
HK$70,194
baseline
▲ 0.50% · 4.625%
HK$74,465
+HK$4,271/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,388/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,482
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,453
−HK$1,999/mo
Today · 4.125%
HK$77,452
baseline
▲ 0.50% · 4.625%
HK$81,534
+HK$4,082/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,904/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,475 · Scale 2, in force from 26 Feb 2026)