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$36,595
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,734
−HK$1,156/mo
Today · 4.125%
HK$38,890
baseline
▲ 0.50% · 4.625%
HK$41,257
+HK$2,367/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,780/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,712
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,804
−HK$1,107/mo
Today · 4.125%
HK$42,911
baseline
▲ 0.50% · 4.625%
HK$45,173
+HK$2,262/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,822/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,914
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,280
−HK$1,388/mo
Today · 4.125%
HK$46,668
baseline
▲ 0.50% · 4.625%
HK$49,508
+HK$2,840/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,336/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,854
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,165
−HK$1,329/mo
Today · 4.125%
HK$51,494
baseline
▲ 0.50% · 4.625%
HK$54,208
+HK$2,714/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,988/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,233
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,827
−HK$1,619/mo
Today · 4.125%
HK$54,446
baseline
▲ 0.50% · 4.625%
HK$57,759
+HK$3,313/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,892/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,997
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,525
−HK$1,551/mo
Today · 4.125%
HK$60,076
baseline
▲ 0.50% · 4.625%
HK$63,243
+HK$3,167/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,152/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,872
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,921
−HK$2,081/mo
Today · 4.125%
HK$70,002
baseline
▲ 0.50% · 4.625%
HK$74,262
+HK$4,260/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$140,004/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,281
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,247
−HK$1,994/mo
Today · 4.125%
HK$77,241
baseline
▲ 0.50% · 4.625%
HK$81,312
+HK$4,071/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,482/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,829 · Scale 2, in force from 26 Feb 2026)