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$36,626
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,765
−HK$1,158/mo
Today · 4.125%
HK$38,923
baseline
▲ 0.50% · 4.625%
HK$41,291
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,846/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,746
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,839
−HK$1,109/mo
Today · 4.125%
HK$42,948
baseline
▲ 0.50% · 4.625%
HK$45,211
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,896/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,951
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,318
−HK$1,389/mo
Today · 4.125%
HK$46,707
baseline
▲ 0.50% · 4.625%
HK$49,549
+HK$2,842/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$93,414/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,895
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,207
−HK$1,330/mo
Today · 4.125%
HK$51,537
baseline
▲ 0.50% · 4.625%
HK$54,254
+HK$2,717/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$103,074/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,277
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,872
−HK$1,620/mo
Today · 4.125%
HK$54,492
baseline
▲ 0.50% · 4.625%
HK$57,808
+HK$3,316/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,984/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,045
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,575
−HK$1,552/mo
Today · 4.125%
HK$60,127
baseline
▲ 0.50% · 4.625%
HK$63,296
+HK$3,169/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,254/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,927
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,978
−HK$2,083/mo
Today · 4.125%
HK$70,061
baseline
▲ 0.50% · 4.625%
HK$74,324
+HK$4,263/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,122/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,343
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,310
−HK$1,996/mo
Today · 4.125%
HK$77,306
baseline
▲ 0.50% · 4.625%
HK$81,380
+HK$4,074/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,612/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,335 · Scale 2, in force from 26 Feb 2026)