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$36,601
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,739
−HK$1,157/mo
Today · 4.125%
HK$38,896
baseline
▲ 0.50% · 4.625%
HK$41,263
+HK$2,367/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,792/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,718
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,810
−HK$1,108/mo
Today · 4.125%
HK$42,918
baseline
▲ 0.50% · 4.625%
HK$45,180
+HK$2,262/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,836/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,921
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,287
−HK$1,388/mo
Today · 4.125%
HK$46,675
baseline
▲ 0.50% · 4.625%
HK$49,515
+HK$2,840/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,350/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,861
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,172
−HK$1,329/mo
Today · 4.125%
HK$51,501
baseline
▲ 0.50% · 4.625%
HK$54,216
+HK$2,715/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,002/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,241
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,835
−HK$1,619/mo
Today · 4.125%
HK$54,454
baseline
▲ 0.50% · 4.625%
HK$57,768
+HK$3,314/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,908/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,005
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,534
−HK$1,551/mo
Today · 4.125%
HK$60,085
baseline
▲ 0.50% · 4.625%
HK$63,252
+HK$3,167/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,170/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,881
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,930
−HK$2,082/mo
Today · 4.125%
HK$70,012
baseline
▲ 0.50% · 4.625%
HK$74,273
+HK$4,261/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,024/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,292
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,258
−HK$1,994/mo
Today · 4.125%
HK$77,252
baseline
▲ 0.50% · 4.625%
HK$81,324
+HK$4,072/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,504/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,916 · Scale 2, in force from 26 Feb 2026)