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$36,661
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,801
−HK$1,159/mo
Today · 4.125%
HK$38,960
baseline
▲ 0.50% · 4.625%
HK$41,330
+HK$2,370/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,920/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,785
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,878
−HK$1,110/mo
Today · 4.125%
HK$42,988
baseline
▲ 0.50% · 4.625%
HK$45,254
+HK$2,266/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,976/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,993
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,361
−HK$1,390/mo
Today · 4.125%
HK$46,751
baseline
▲ 0.50% · 4.625%
HK$49,596
+HK$2,845/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,502/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,941
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,254
−HK$1,332/mo
Today · 4.125%
HK$51,586
baseline
▲ 0.50% · 4.625%
HK$54,305
+HK$2,719/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,172/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,325
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,921
−HK$1,622/mo
Today · 4.125%
HK$54,543
baseline
▲ 0.50% · 4.625%
HK$57,862
+HK$3,319/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,086/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,098
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,630
−HK$1,553/mo
Today · 4.125%
HK$60,183
baseline
▲ 0.50% · 4.625%
HK$63,355
+HK$3,172/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,366/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,989
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,042
−HK$2,085/mo
Today · 4.125%
HK$70,127
baseline
▲ 0.50% · 4.625%
HK$74,394
+HK$4,267/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,254/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,412
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,381
−HK$1,997/mo
Today · 4.125%
HK$77,378
baseline
▲ 0.50% · 4.625%
HK$81,457
+HK$4,079/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,756/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,903 · Scale 2, in force from 26 Feb 2026)