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$36,527
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,663
−HK$1,155/mo
Today · 4.125%
HK$38,818
baseline
▲ 0.50% · 4.625%
HK$41,180
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,636/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,636
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,726
−HK$1,105/mo
Today · 4.125%
HK$42,831
baseline
▲ 0.50% · 4.625%
HK$45,089
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,662/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,832
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,196
−HK$1,385/mo
Today · 4.125%
HK$46,581
baseline
▲ 0.50% · 4.625%
HK$49,415
+HK$2,834/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,162/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,763
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,071
−HK$1,327/mo
Today · 4.125%
HK$51,398
baseline
▲ 0.50% · 4.625%
HK$54,107
+HK$2,709/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,796/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,138
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,729
−HK$1,616/mo
Today · 4.125%
HK$54,345
baseline
▲ 0.50% · 4.625%
HK$57,651
+HK$3,306/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$108,690/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,890
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,416
−HK$1,548/mo
Today · 4.125%
HK$59,964
baseline
▲ 0.50% · 4.625%
HK$63,125
+HK$3,161/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$119,928/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,749
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,794
−HK$2,078/mo
Today · 4.125%
HK$69,872
baseline
▲ 0.50% · 4.625%
HK$74,123
+HK$4,251/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,744/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,145
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,106
−HK$1,991/mo
Today · 4.125%
HK$77,097
baseline
▲ 0.50% · 4.625%
HK$81,160
+HK$4,063/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,194/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,707 · Scale 2, in force from 26 Feb 2026)