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$36,610
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,749
−HK$1,157/mo
Today · 4.125%
HK$38,906
baseline
▲ 0.50% · 4.625%
HK$41,274
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,812/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,729
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,821
−HK$1,108/mo
Today · 4.125%
HK$42,929
baseline
▲ 0.50% · 4.625%
HK$45,192
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,858/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,933
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,299
−HK$1,389/mo
Today · 4.125%
HK$46,688
baseline
▲ 0.50% · 4.625%
HK$49,528
+HK$2,840/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,376/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$602,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,875
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,185
−HK$1,330/mo
Today · 4.125%
HK$51,515
baseline
▲ 0.50% · 4.625%
HK$54,231
+HK$2,716/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,030/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$602,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,255
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,849
−HK$1,620/mo
Today · 4.125%
HK$54,469
baseline
▲ 0.50% · 4.625%
HK$57,783
+HK$3,314/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,938/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,020
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,550
−HK$1,551/mo
Today · 4.125%
HK$60,101
baseline
▲ 0.50% · 4.625%
HK$63,269
+HK$3,168/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,202/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,899
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,949
−HK$2,082/mo
Today · 4.125%
HK$70,031
baseline
▲ 0.50% · 4.625%
HK$74,293
+HK$4,262/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,062/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,312
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,278
−HK$1,995/mo
Today · 4.125%
HK$77,273
baseline
▲ 0.50% · 4.625%
HK$81,346
+HK$4,073/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,546/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,079 · Scale 2, in force from 26 Feb 2026)