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$36,581
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,719
−HK$1,156/mo
Today · 4.125%
HK$38,875
baseline
▲ 0.50% · 4.625%
HK$41,241
+HK$2,366/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,750/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,696
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,788
−HK$1,107/mo
Today · 4.125%
HK$42,895
baseline
▲ 0.50% · 4.625%
HK$45,156
+HK$2,261/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,790/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,897
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,263
−HK$1,387/mo
Today · 4.125%
HK$46,650
baseline
▲ 0.50% · 4.625%
HK$49,489
+HK$2,839/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,300/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,835
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,145
−HK$1,329/mo
Today · 4.125%
HK$51,474
baseline
▲ 0.50% · 4.625%
HK$54,187
+HK$2,713/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,948/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,214
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,807
−HK$1,618/mo
Today · 4.125%
HK$54,425
baseline
▲ 0.50% · 4.625%
HK$57,737
+HK$3,312/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,850/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,975
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,503
−HK$1,550/mo
Today · 4.125%
HK$60,053
baseline
▲ 0.50% · 4.625%
HK$63,218
+HK$3,165/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,106/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,846
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,894
−HK$2,081/mo
Today · 4.125%
HK$69,975
baseline
▲ 0.50% · 4.625%
HK$74,233
+HK$4,258/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,950/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,253
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,218
−HK$1,993/mo
Today · 4.125%
HK$77,211
baseline
▲ 0.50% · 4.625%
HK$81,281
+HK$4,070/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,422/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,596 · Scale 2, in force from 26 Feb 2026)