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$36,657
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,797
−HK$1,159/mo
Today · 4.125%
HK$38,956
baseline
▲ 0.50% · 4.625%
HK$41,326
+HK$2,370/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,912/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,780
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,874
−HK$1,110/mo
Today · 4.125%
HK$42,984
baseline
▲ 0.50% · 4.625%
HK$45,249
+HK$2,265/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,968/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,988
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,356
−HK$1,391/mo
Today · 4.125%
HK$46,747
baseline
▲ 0.50% · 4.625%
HK$49,591
+HK$2,844/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,494/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,936
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,249
−HK$1,331/mo
Today · 4.125%
HK$51,580
baseline
▲ 0.50% · 4.625%
HK$54,299
+HK$2,719/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,160/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,320
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,916
−HK$1,622/mo
Today · 4.125%
HK$54,538
baseline
▲ 0.50% · 4.625%
HK$57,856
+HK$3,318/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,076/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,092
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,624
−HK$1,553/mo
Today · 4.125%
HK$60,177
baseline
▲ 0.50% · 4.625%
HK$63,349
+HK$3,172/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,354/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,982
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,035
−HK$2,085/mo
Today · 4.125%
HK$70,120
baseline
▲ 0.50% · 4.625%
HK$74,387
+HK$4,267/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,240/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,405
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,373
−HK$1,997/mo
Today · 4.125%
HK$77,370
baseline
▲ 0.50% · 4.625%
HK$81,449
+HK$4,079/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,740/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,841 · Scale 2, in force from 26 Feb 2026)