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$36,537
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,673
−HK$1,155/mo
Today · 4.125%
HK$38,828
baseline
▲ 0.50% · 4.625%
HK$41,190
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,656/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,647
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,737
−HK$1,106/mo
Today · 4.125%
HK$42,843
baseline
▲ 0.50% · 4.625%
HK$45,101
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,686/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,844
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,208
−HK$1,385/mo
Today · 4.125%
HK$46,593
baseline
▲ 0.50% · 4.625%
HK$49,429
+HK$2,836/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,186/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,776
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,084
−HK$1,327/mo
Today · 4.125%
HK$51,411
baseline
▲ 0.50% · 4.625%
HK$54,121
+HK$2,710/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,822/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,151
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,742
−HK$1,617/mo
Today · 4.125%
HK$54,359
baseline
▲ 0.50% · 4.625%
HK$57,667
+HK$3,308/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,718/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,905
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,432
−HK$1,548/mo
Today · 4.125%
HK$59,980
baseline
▲ 0.50% · 4.625%
HK$63,141
+HK$3,161/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,960/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,766
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,812
−HK$2,078/mo
Today · 4.125%
HK$69,890
baseline
▲ 0.50% · 4.625%
HK$74,143
+HK$4,253/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,780/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,164
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,126
−HK$1,991/mo
Today · 4.125%
HK$77,117
baseline
▲ 0.50% · 4.625%
HK$81,182
+HK$4,065/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,234/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,866 · Scale 2, in force from 26 Feb 2026)