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$36,547
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,683
−HK$1,155/mo
Today · 4.125%
HK$38,838
baseline
▲ 0.50% · 4.625%
HK$41,202
+HK$2,364/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,676/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$601,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,658
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,748
−HK$1,106/mo
Today · 4.125%
HK$42,854
baseline
▲ 0.50% · 4.625%
HK$45,113
+HK$2,259/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,708/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$601,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,856
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,220
−HK$1,386/mo
Today · 4.125%
HK$46,606
baseline
▲ 0.50% · 4.625%
HK$49,442
+HK$2,836/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,212/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,789
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,098
−HK$1,327/mo
Today · 4.125%
HK$51,425
baseline
▲ 0.50% · 4.625%
HK$54,136
+HK$2,711/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,850/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,165
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,757
−HK$1,617/mo
Today · 4.125%
HK$54,374
baseline
▲ 0.50% · 4.625%
HK$57,682
+HK$3,308/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,748/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,921
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,447
−HK$1,549/mo
Today · 4.125%
HK$59,996
baseline
▲ 0.50% · 4.625%
HK$63,159
+HK$3,163/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,992/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,784
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,830
−HK$2,079/mo
Today · 4.125%
HK$69,909
baseline
▲ 0.50% · 4.625%
HK$74,163
+HK$4,254/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,818/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,184
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,147
−HK$1,991/mo
Today · 4.125%
HK$77,138
baseline
▲ 0.50% · 4.625%
HK$81,204
+HK$4,066/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,276/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,028 · Scale 2, in force from 26 Feb 2026)