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$36,545
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,682
−HK$1,155/mo
Today · 4.125%
HK$38,837
baseline
▲ 0.50% · 4.625%
HK$41,200
+HK$2,363/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,674/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$601,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,656
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,746
−HK$1,107/mo
Today · 4.125%
HK$42,853
baseline
▲ 0.50% · 4.625%
HK$45,111
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,706/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$601,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,854
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,218
−HK$1,386/mo
Today · 4.125%
HK$46,604
baseline
▲ 0.50% · 4.625%
HK$49,440
+HK$2,836/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,208/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,787
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,096
−HK$1,327/mo
Today · 4.125%
HK$51,423
baseline
▲ 0.50% · 4.625%
HK$54,134
+HK$2,711/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,846/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,163
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,755
−HK$1,616/mo
Today · 4.125%
HK$54,371
baseline
▲ 0.50% · 4.625%
HK$57,680
+HK$3,309/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,742/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,918
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,445
−HK$1,549/mo
Today · 4.125%
HK$59,994
baseline
▲ 0.50% · 4.625%
HK$63,156
+HK$3,162/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,988/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,781
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,827
−HK$2,079/mo
Today · 4.125%
HK$69,906
baseline
▲ 0.50% · 4.625%
HK$74,160
+HK$4,254/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,812/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,181
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,143
−HK$1,992/mo
Today · 4.125%
HK$77,135
baseline
▲ 0.50% · 4.625%
HK$81,200
+HK$4,065/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,270/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,003 · Scale 2, in force from 26 Feb 2026)