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$36,678
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,819
−HK$1,160/mo
Today · 4.125%
HK$38,979
baseline
▲ 0.50% · 4.625%
HK$41,350
+HK$2,371/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,958/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,804
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,899
−HK$1,110/mo
Today · 4.125%
HK$43,009
baseline
▲ 0.50% · 4.625%
HK$45,276
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,018/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,014
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,383
−HK$1,391/mo
Today · 4.125%
HK$46,774
baseline
▲ 0.50% · 4.625%
HK$49,620
+HK$2,846/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,548/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,965
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,279
−HK$1,332/mo
Today · 4.125%
HK$51,611
baseline
▲ 0.50% · 4.625%
HK$54,331
+HK$2,720/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,222/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,350
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,947
−HK$1,623/mo
Today · 4.125%
HK$54,570
baseline
▲ 0.50% · 4.625%
HK$57,890
+HK$3,320/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,140/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,126
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,658
−HK$1,555/mo
Today · 4.125%
HK$60,213
baseline
▲ 0.50% · 4.625%
HK$63,386
+HK$3,173/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,426/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,021
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,075
−HK$2,086/mo
Today · 4.125%
HK$70,161
baseline
▲ 0.50% · 4.625%
HK$74,431
+HK$4,270/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,322/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,448
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,418
−HK$1,998/mo
Today · 4.125%
HK$77,416
baseline
▲ 0.50% · 4.625%
HK$81,497
+HK$4,081/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,832/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,197 · Scale 2, in force from 26 Feb 2026)