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$36,512
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,647
−HK$1,154/mo
Today · 4.125%
HK$38,801
baseline
▲ 0.50% · 4.625%
HK$41,162
+HK$2,361/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,602/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,619
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,708
−HK$1,105/mo
Today · 4.125%
HK$42,813
baseline
▲ 0.50% · 4.625%
HK$45,070
+HK$2,257/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,626/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,814
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,177
−HK$1,385/mo
Today · 4.125%
HK$46,562
baseline
▲ 0.50% · 4.625%
HK$49,395
+HK$2,833/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$93,124/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,743
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,050
−HK$1,326/mo
Today · 4.125%
HK$51,376
baseline
▲ 0.50% · 4.625%
HK$54,084
+HK$2,708/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$102,752/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,116
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,706
−HK$1,616/mo
Today · 4.125%
HK$54,322
baseline
▲ 0.50% · 4.625%
HK$57,627
+HK$3,305/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,644/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,866
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,392
−HK$1,547/mo
Today · 4.125%
HK$59,939
baseline
▲ 0.50% · 4.625%
HK$63,098
+HK$3,159/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,878/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,721
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,765
−HK$2,077/mo
Today · 4.125%
HK$69,842
baseline
▲ 0.50% · 4.625%
HK$74,092
+HK$4,250/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,684/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,114
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,075
−HK$1,989/mo
Today · 4.125%
HK$77,064
baseline
▲ 0.50% · 4.625%
HK$81,126
+HK$4,062/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,128/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,454 · Scale 2, in force from 26 Feb 2026)