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$36,531
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,668
−HK$1,154/mo
Today · 4.125%
HK$38,822
baseline
▲ 0.50% · 4.625%
HK$41,184
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,644/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,641
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,731
−HK$1,105/mo
Today · 4.125%
HK$42,836
baseline
▲ 0.50% · 4.625%
HK$45,094
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,672/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,838
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,201
−HK$1,386/mo
Today · 4.125%
HK$46,587
baseline
▲ 0.50% · 4.625%
HK$49,421
+HK$2,834/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,174/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,769
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,077
−HK$1,327/mo
Today · 4.125%
HK$51,404
baseline
▲ 0.50% · 4.625%
HK$54,113
+HK$2,709/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,808/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,144
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,735
−HK$1,616/mo
Today · 4.125%
HK$54,351
baseline
▲ 0.50% · 4.625%
HK$57,658
+HK$3,307/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$108,702/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,897
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,423
−HK$1,548/mo
Today · 4.125%
HK$59,971
baseline
▲ 0.50% · 4.625%
HK$63,132
+HK$3,161/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$119,942/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,756
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,802
−HK$2,078/mo
Today · 4.125%
HK$69,880
baseline
▲ 0.50% · 4.625%
HK$74,132
+HK$4,252/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,760/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,153
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,115
−HK$1,990/mo
Today · 4.125%
HK$77,105
baseline
▲ 0.50% · 4.625%
HK$81,170
+HK$4,065/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,210/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,776 · Scale 2, in force from 26 Feb 2026)