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$36,614
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,752
−HK$1,157/mo
Today · 4.125%
HK$38,909
baseline
▲ 0.50% · 4.625%
HK$41,277
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,818/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,732
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,825
−HK$1,108/mo
Today · 4.125%
HK$42,933
baseline
▲ 0.50% · 4.625%
HK$45,196
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,866/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,936
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,303
−HK$1,388/mo
Today · 4.125%
HK$46,691
baseline
▲ 0.50% · 4.625%
HK$49,532
+HK$2,841/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,382/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$602,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,879
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,189
−HK$1,330/mo
Today · 4.125%
HK$51,519
baseline
▲ 0.50% · 4.625%
HK$54,235
+HK$2,716/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,038/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$602,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,259
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,853
−HK$1,620/mo
Today · 4.125%
HK$54,473
baseline
▲ 0.50% · 4.625%
HK$57,788
+HK$3,315/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,946/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,025
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,554
−HK$1,552/mo
Today · 4.125%
HK$60,106
baseline
▲ 0.50% · 4.625%
HK$63,274
+HK$3,168/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,212/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,904
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,954
−HK$2,083/mo
Today · 4.125%
HK$70,037
baseline
▲ 0.50% · 4.625%
HK$74,299
+HK$4,262/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,074/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,318
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,284
−HK$1,995/mo
Today · 4.125%
HK$77,279
baseline
▲ 0.50% · 4.625%
HK$81,353
+HK$4,074/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,558/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,129 · Scale 2, in force from 26 Feb 2026)