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$36,560
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,697
−HK$1,155/mo
Today · 4.125%
HK$38,852
baseline
▲ 0.50% · 4.625%
HK$41,216
+HK$2,364/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,704/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,672
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,763
−HK$1,107/mo
Today · 4.125%
HK$42,870
baseline
▲ 0.50% · 4.625%
HK$45,129
+HK$2,259/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,740/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,871
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,236
−HK$1,387/mo
Today · 4.125%
HK$46,623
baseline
▲ 0.50% · 4.625%
HK$49,460
+HK$2,837/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,246/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,807
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,116
−HK$1,327/mo
Today · 4.125%
HK$51,443
baseline
▲ 0.50% · 4.625%
HK$54,155
+HK$2,712/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,886/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,183
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,776
−HK$1,617/mo
Today · 4.125%
HK$54,393
baseline
▲ 0.50% · 4.625%
HK$57,703
+HK$3,310/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,786/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,941
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,468
−HK$1,549/mo
Today · 4.125%
HK$60,017
baseline
▲ 0.50% · 4.625%
HK$63,181
+HK$3,164/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$120,034/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,807
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,854
−HK$2,080/mo
Today · 4.125%
HK$69,934
baseline
▲ 0.50% · 4.625%
HK$74,189
+HK$4,255/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,868/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,210
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,173
−HK$1,992/mo
Today · 4.125%
HK$77,165
baseline
▲ 0.50% · 4.625%
HK$81,233
+HK$4,068/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,330/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,242 · Scale 2, in force from 26 Feb 2026)