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$36,558
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,695
−HK$1,155/mo
Today · 4.125%
HK$38,850
baseline
▲ 0.50% · 4.625%
HK$41,214
+HK$2,364/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,700/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,670
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,761
−HK$1,106/mo
Today · 4.125%
HK$42,867
baseline
▲ 0.50% · 4.625%
HK$45,127
+HK$2,260/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,734/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,869
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,234
−HK$1,386/mo
Today · 4.125%
HK$46,620
baseline
▲ 0.50% · 4.625%
HK$49,457
+HK$2,837/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,240/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,804
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,113
−HK$1,328/mo
Today · 4.125%
HK$51,441
baseline
▲ 0.50% · 4.625%
HK$54,152
+HK$2,711/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,882/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,181
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,773
−HK$1,617/mo
Today · 4.125%
HK$54,390
baseline
▲ 0.50% · 4.625%
HK$57,700
+HK$3,310/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,780/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,938
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,465
−HK$1,549/mo
Today · 4.125%
HK$60,014
baseline
▲ 0.50% · 4.625%
HK$63,178
+HK$3,164/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$120,028/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,804
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,851
−HK$2,079/mo
Today · 4.125%
HK$69,930
baseline
▲ 0.50% · 4.625%
HK$74,185
+HK$4,255/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,860/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,206
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,169
−HK$1,992/mo
Today · 4.125%
HK$77,161
baseline
▲ 0.50% · 4.625%
HK$81,228
+HK$4,067/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,322/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,211 · Scale 2, in force from 26 Feb 2026)