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$36,677
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,818
−HK$1,159/mo
Today · 4.125%
HK$38,977
baseline
▲ 0.50% · 4.625%
HK$41,349
+HK$2,372/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,954/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,803
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,897
−HK$1,110/mo
Today · 4.125%
HK$43,007
baseline
▲ 0.50% · 4.625%
HK$45,274
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,014/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,013
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,382
−HK$1,391/mo
Today · 4.125%
HK$46,773
baseline
▲ 0.50% · 4.625%
HK$49,619
+HK$2,846/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,546/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,964
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,277
−HK$1,332/mo
Today · 4.125%
HK$51,609
baseline
▲ 0.50% · 4.625%
HK$54,329
+HK$2,720/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,218/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,348
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,945
−HK$1,623/mo
Today · 4.125%
HK$54,568
baseline
▲ 0.50% · 4.625%
HK$57,888
+HK$3,320/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,136/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,124
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,656
−HK$1,554/mo
Today · 4.125%
HK$60,210
baseline
▲ 0.50% · 4.625%
HK$63,384
+HK$3,174/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,420/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,019
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,072
−HK$2,087/mo
Today · 4.125%
HK$70,159
baseline
▲ 0.50% · 4.625%
HK$74,428
+HK$4,269/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,318/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,445
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,415
−HK$1,998/mo
Today · 4.125%
HK$77,413
baseline
▲ 0.50% · 4.625%
HK$81,494
+HK$4,081/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,826/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,175 · Scale 2, in force from 26 Feb 2026)