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$36,535
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,672
−HK$1,154/mo
Today · 4.125%
HK$38,826
baseline
▲ 0.50% · 4.625%
HK$41,189
+HK$2,363/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,652/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,645
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,735
−HK$1,106/mo
Today · 4.125%
HK$42,841
baseline
▲ 0.50% · 4.625%
HK$45,099
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,682/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,842
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,206
−HK$1,386/mo
Today · 4.125%
HK$46,592
baseline
▲ 0.50% · 4.625%
HK$49,427
+HK$2,835/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,184/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,774
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,082
−HK$1,327/mo
Today · 4.125%
HK$51,409
baseline
▲ 0.50% · 4.625%
HK$54,119
+HK$2,710/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,818/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,149
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,740
−HK$1,617/mo
Today · 4.125%
HK$54,357
baseline
▲ 0.50% · 4.625%
HK$57,664
+HK$3,307/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,714/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,903
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,429
−HK$1,548/mo
Today · 4.125%
HK$59,977
baseline
▲ 0.50% · 4.625%
HK$63,139
+HK$3,162/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,954/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,763
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,809
−HK$2,078/mo
Today · 4.125%
HK$69,887
baseline
▲ 0.50% · 4.625%
HK$74,140
+HK$4,253/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,774/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,161
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,123
−HK$1,991/mo
Today · 4.125%
HK$77,114
baseline
▲ 0.50% · 4.625%
HK$81,179
+HK$4,065/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,228/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,841 · Scale 2, in force from 26 Feb 2026)