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$36,542
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,679
−HK$1,155/mo
Today · 4.125%
HK$38,834
baseline
▲ 0.50% · 4.625%
HK$41,196
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,668/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,653
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,743
−HK$1,106/mo
Today · 4.125%
HK$42,849
baseline
▲ 0.50% · 4.625%
HK$45,108
+HK$2,259/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,698/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,850
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,214
−HK$1,386/mo
Today · 4.125%
HK$46,600
baseline
▲ 0.50% · 4.625%
HK$49,436
+HK$2,836/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,200/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,783
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,091
−HK$1,328/mo
Today · 4.125%
HK$51,419
baseline
▲ 0.50% · 4.625%
HK$54,129
+HK$2,710/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,838/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,159
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,750
−HK$1,617/mo
Today · 4.125%
HK$54,367
baseline
▲ 0.50% · 4.625%
HK$57,675
+HK$3,308/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,734/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,914
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,440
−HK$1,549/mo
Today · 4.125%
HK$59,989
baseline
▲ 0.50% · 4.625%
HK$63,151
+HK$3,162/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,978/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,776
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,822
−HK$2,078/mo
Today · 4.125%
HK$69,900
baseline
▲ 0.50% · 4.625%
HK$74,154
+HK$4,254/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,800/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,175
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,137
−HK$1,991/mo
Today · 4.125%
HK$77,128
baseline
▲ 0.50% · 4.625%
HK$81,194
+HK$4,066/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,256/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,953 · Scale 2, in force from 26 Feb 2026)