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$36,594
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,733
−HK$1,156/mo
Today · 4.125%
HK$38,889
baseline
▲ 0.50% · 4.625%
HK$41,255
+HK$2,366/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,778/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,711
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,803
−HK$1,107/mo
Today · 4.125%
HK$42,910
baseline
▲ 0.50% · 4.625%
HK$45,172
+HK$2,262/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,820/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,913
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,279
−HK$1,388/mo
Today · 4.125%
HK$46,667
baseline
▲ 0.50% · 4.625%
HK$49,506
+HK$2,839/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,334/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,853
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,163
−HK$1,329/mo
Today · 4.125%
HK$51,492
baseline
▲ 0.50% · 4.625%
HK$54,206
+HK$2,714/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,984/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,232
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,826
−HK$1,619/mo
Today · 4.125%
HK$54,445
baseline
▲ 0.50% · 4.625%
HK$57,757
+HK$3,312/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,890/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,995
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,524
−HK$1,550/mo
Today · 4.125%
HK$60,074
baseline
▲ 0.50% · 4.625%
HK$63,241
+HK$3,167/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,148/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,870
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,919
−HK$2,081/mo
Today · 4.125%
HK$70,000
baseline
▲ 0.50% · 4.625%
HK$74,260
+HK$4,260/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$140,000/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,279
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,245
−HK$1,993/mo
Today · 4.125%
HK$77,238
baseline
▲ 0.50% · 4.625%
HK$81,310
+HK$4,072/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,476/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,812 · Scale 2, in force from 26 Feb 2026)