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$36,636
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,776
−HK$1,157/mo
Today · 4.125%
HK$38,933
baseline
▲ 0.50% · 4.625%
HK$41,302
+HK$2,369/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,866/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,757
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,850
−HK$1,109/mo
Today · 4.125%
HK$42,959
baseline
▲ 0.50% · 4.625%
HK$45,224
+HK$2,265/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,918/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,963
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,331
−HK$1,389/mo
Today · 4.125%
HK$46,720
baseline
▲ 0.50% · 4.625%
HK$49,563
+HK$2,843/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,440/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,909
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,220
−HK$1,331/mo
Today · 4.125%
HK$51,551
baseline
▲ 0.50% · 4.625%
HK$54,268
+HK$2,717/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,102/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,290
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,886
−HK$1,621/mo
Today · 4.125%
HK$54,507
baseline
▲ 0.50% · 4.625%
HK$57,823
+HK$3,316/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,014/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,060
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,590
−HK$1,553/mo
Today · 4.125%
HK$60,143
baseline
▲ 0.50% · 4.625%
HK$63,313
+HK$3,170/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,286/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,945
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,996
−HK$2,084/mo
Today · 4.125%
HK$70,080
baseline
▲ 0.50% · 4.625%
HK$74,344
+HK$4,264/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,160/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,363
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,331
−HK$1,996/mo
Today · 4.125%
HK$77,327
baseline
▲ 0.50% · 4.625%
HK$81,403
+HK$4,076/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,654/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,499 · Scale 2, in force from 26 Feb 2026)