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$36,567
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,704
−HK$1,156/mo
Today · 4.125%
HK$38,860
baseline
▲ 0.50% · 4.625%
HK$41,224
+HK$2,364/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,720/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,680
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,771
−HK$1,107/mo
Today · 4.125%
HK$42,878
baseline
▲ 0.50% · 4.625%
HK$45,138
+HK$2,260/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,756/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,880
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,245
−HK$1,387/mo
Today · 4.125%
HK$46,632
baseline
▲ 0.50% · 4.625%
HK$49,469
+HK$2,837/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,264/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,816
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,125
−HK$1,328/mo
Today · 4.125%
HK$51,453
baseline
▲ 0.50% · 4.625%
HK$54,166
+HK$2,713/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,906/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,193
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,786
−HK$1,618/mo
Today · 4.125%
HK$54,404
baseline
▲ 0.50% · 4.625%
HK$57,714
+HK$3,310/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,808/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,952
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,479
−HK$1,550/mo
Today · 4.125%
HK$60,029
baseline
▲ 0.50% · 4.625%
HK$63,193
+HK$3,164/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,058/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,820
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,867
−HK$2,080/mo
Today · 4.125%
HK$69,947
baseline
▲ 0.50% · 4.625%
HK$74,204
+HK$4,257/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,894/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,224
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,188
−HK$1,992/mo
Today · 4.125%
HK$77,180
baseline
▲ 0.50% · 4.625%
HK$81,248
+HK$4,068/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,360/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,358 · Scale 2, in force from 26 Feb 2026)