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$36,639
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,779
−HK$1,158/mo
Today · 4.125%
HK$38,937
baseline
▲ 0.50% · 4.625%
HK$41,306
+HK$2,369/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,874/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,761
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,854
−HK$1,109/mo
Today · 4.125%
HK$42,963
baseline
▲ 0.50% · 4.625%
HK$45,228
+HK$2,265/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,926/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,967
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,335
−HK$1,389/mo
Today · 4.125%
HK$46,724
baseline
▲ 0.50% · 4.625%
HK$49,567
+HK$2,843/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,448/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,913
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,225
−HK$1,331/mo
Today · 4.125%
HK$51,556
baseline
▲ 0.50% · 4.625%
HK$54,273
+HK$2,717/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,112/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,295
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,891
−HK$1,621/mo
Today · 4.125%
HK$54,512
baseline
▲ 0.50% · 4.625%
HK$57,829
+HK$3,317/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,024/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,065
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,596
−HK$1,552/mo
Today · 4.125%
HK$60,148
baseline
▲ 0.50% · 4.625%
HK$63,319
+HK$3,171/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,296/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,951
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,002
−HK$2,085/mo
Today · 4.125%
HK$70,087
baseline
▲ 0.50% · 4.625%
HK$74,351
+HK$4,264/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,174/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,370
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,337
−HK$1,997/mo
Today · 4.125%
HK$77,334
baseline
▲ 0.50% · 4.625%
HK$81,410
+HK$4,076/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,668/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,553 · Scale 2, in force from 26 Feb 2026)