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$36,625
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,764
−HK$1,158/mo
Today · 4.125%
HK$38,922
baseline
▲ 0.50% · 4.625%
HK$41,290
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,844/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,745
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,838
−HK$1,108/mo
Today · 4.125%
HK$42,946
baseline
▲ 0.50% · 4.625%
HK$45,210
+HK$2,264/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,892/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,950
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,317
−HK$1,389/mo
Today · 4.125%
HK$46,706
baseline
▲ 0.50% · 4.625%
HK$49,548
+HK$2,842/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$93,412/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,894
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,205
−HK$1,331/mo
Today · 4.125%
HK$51,536
baseline
▲ 0.50% · 4.625%
HK$54,252
+HK$2,716/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$103,072/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,275
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,870
−HK$1,620/mo
Today · 4.125%
HK$54,490
baseline
▲ 0.50% · 4.625%
HK$57,806
+HK$3,316/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,980/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,043
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,573
−HK$1,552/mo
Today · 4.125%
HK$60,125
baseline
▲ 0.50% · 4.625%
HK$63,294
+HK$3,169/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,250/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,925
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,976
−HK$2,083/mo
Today · 4.125%
HK$70,059
baseline
▲ 0.50% · 4.625%
HK$74,322
+HK$4,263/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,118/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,341
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,308
−HK$1,995/mo
Today · 4.125%
HK$77,303
baseline
▲ 0.50% · 4.625%
HK$81,378
+HK$4,075/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,606/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,318 · Scale 2, in force from 26 Feb 2026)