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$36,671
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,812
−HK$1,159/mo
Today · 4.125%
HK$38,971
baseline
▲ 0.50% · 4.625%
HK$41,342
+HK$2,371/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,942/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,796
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,890
−HK$1,110/mo
Today · 4.125%
HK$43,000
baseline
▲ 0.50% · 4.625%
HK$45,267
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,000/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,005
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,374
−HK$1,391/mo
Today · 4.125%
HK$46,765
baseline
▲ 0.50% · 4.625%
HK$49,610
+HK$2,845/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,530/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,955
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,268
−HK$1,332/mo
Today · 4.125%
HK$51,600
baseline
▲ 0.50% · 4.625%
HK$54,320
+HK$2,720/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,200/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,340
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,937
−HK$1,622/mo
Today · 4.125%
HK$54,559
baseline
▲ 0.50% · 4.625%
HK$57,879
+HK$3,320/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$109,118/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,115
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,647
−HK$1,553/mo
Today · 4.125%
HK$60,200
baseline
▲ 0.50% · 4.625%
HK$63,374
+HK$3,174/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$120,400/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,008
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,061
−HK$2,086/mo
Today · 4.125%
HK$70,147
baseline
▲ 0.50% · 4.625%
HK$74,416
+HK$4,269/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,294/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,433
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,403
−HK$1,998/mo
Today · 4.125%
HK$77,401
baseline
▲ 0.50% · 4.625%
HK$81,481
+HK$4,080/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,802/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,076 · Scale 2, in force from 26 Feb 2026)