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$36,570
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,708
−HK$1,155/mo
Today · 4.125%
HK$38,863
baseline
▲ 0.50% · 4.625%
HK$41,228
+HK$2,365/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,726/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,684
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,775
−HK$1,107/mo
Today · 4.125%
HK$42,882
baseline
▲ 0.50% · 4.625%
HK$45,142
+HK$2,260/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,764/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,884
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,249
−HK$1,387/mo
Today · 4.125%
HK$46,636
baseline
▲ 0.50% · 4.625%
HK$49,474
+HK$2,838/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$93,272/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,821
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,130
−HK$1,328/mo
Today · 4.125%
HK$51,458
baseline
▲ 0.50% · 4.625%
HK$54,171
+HK$2,713/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$102,916/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,198
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,791
−HK$1,618/mo
Today · 4.125%
HK$54,409
baseline
▲ 0.50% · 4.625%
HK$57,719
+HK$3,310/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,818/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,957
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,485
−HK$1,550/mo
Today · 4.125%
HK$60,035
baseline
▲ 0.50% · 4.625%
HK$63,199
+HK$3,164/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,070/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,826
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,874
−HK$2,080/mo
Today · 4.125%
HK$69,954
baseline
▲ 0.50% · 4.625%
HK$74,211
+HK$4,257/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,908/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,231
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,195
−HK$1,993/mo
Today · 4.125%
HK$77,188
baseline
▲ 0.50% · 4.625%
HK$81,256
+HK$4,068/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,376/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,415 · Scale 2, in force from 26 Feb 2026)