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$2,295/mo
▼ 0.25% · 3.875%
HK$37,748
−HK$1,157/mo
Today · 4.125%
HK$38,905
baseline
▲ 0.50% · 4.625%
HK$41,273
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,810/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,728
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,820
−HK$1,108/mo
Today · 4.125%
HK$42,928
baseline
▲ 0.50% · 4.625%
HK$45,191
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,856/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,931
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,298
−HK$1,388/mo
Today · 4.125%
HK$46,686
baseline
▲ 0.50% · 4.625%
HK$49,527
+HK$2,841/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,372/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$602,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,873
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,184
−HK$1,330/mo
Today · 4.125%
HK$51,514
baseline
▲ 0.50% · 4.625%
HK$54,229
+HK$2,715/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,028/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$602,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,253
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,848
−HK$1,619/mo
Today · 4.125%
HK$54,467
baseline
▲ 0.50% · 4.625%
HK$57,782
+HK$3,315/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,934/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,019
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,548
−HK$1,551/mo
Today · 4.125%
HK$60,099
baseline
▲ 0.50% · 4.625%
HK$63,267
+HK$3,168/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,198/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,897
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,947
−HK$2,082/mo
Today · 4.125%
HK$70,029
baseline
▲ 0.50% · 4.625%
HK$74,291
+HK$4,262/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,058/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,310
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,276
−HK$1,995/mo
Today · 4.125%
HK$77,271
baseline
▲ 0.50% · 4.625%
HK$81,344
+HK$4,073/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,542/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,063 · Scale 2, in force from 26 Feb 2026)