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$41,331
+HK$2,371/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$602,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,785
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,879
−HK$1,109/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$602,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,993
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,362
−HK$1,390/mo
Today · 4.125%
HK$46,752
baseline
▲ 0.50% · 4.625%
HK$49,597
+HK$2,845/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,504/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,942
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,255
−HK$1,331/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$602,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,325
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,922
−HK$1,622/mo
Today · 4.125%
HK$54,544
baseline
▲ 0.50% · 4.625%
HK$57,863
+HK$3,319/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,088/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,099
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,630
−HK$1,554/mo
Today · 4.125%
HK$60,184
baseline
▲ 0.50% · 4.625%
HK$63,356
+HK$3,172/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,368/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,990
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,042
−HK$2,086/mo
Today · 4.125%
HK$70,128
baseline
▲ 0.50% · 4.625%
HK$74,395
+HK$4,267/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,256/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,413
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,382
−HK$1,997/mo
Today · 4.125%
HK$77,379
baseline
▲ 0.50% · 4.625%
HK$81,458
+HK$4,079/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,758/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,909 · Scale 2, in force from 26 Feb 2026)