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$36,583
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,721
−HK$1,156/mo
Today · 4.125%
HK$38,877
baseline
▲ 0.50% · 4.625%
HK$41,243
+HK$2,366/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,754/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,699
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,790
−HK$1,107/mo
Today · 4.125%
HK$42,897
baseline
▲ 0.50% · 4.625%
HK$45,159
+HK$2,262/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,794/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,900
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,266
−HK$1,387/mo
Today · 4.125%
HK$46,653
baseline
▲ 0.50% · 4.625%
HK$49,492
+HK$2,839/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,306/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,838
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,148
−HK$1,329/mo
Today · 4.125%
HK$51,477
baseline
▲ 0.50% · 4.625%
HK$54,190
+HK$2,713/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,954/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,217
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,810
−HK$1,618/mo
Today · 4.125%
HK$54,428
baseline
▲ 0.50% · 4.625%
HK$57,740
+HK$3,312/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,856/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,978
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,506
−HK$1,550/mo
Today · 4.125%
HK$60,056
baseline
▲ 0.50% · 4.625%
HK$63,222
+HK$3,166/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,112/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,850
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,898
−HK$2,081/mo
Today · 4.125%
HK$69,979
baseline
▲ 0.50% · 4.625%
HK$74,238
+HK$4,259/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,958/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,258
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,222
−HK$1,993/mo
Today · 4.125%
HK$77,215
baseline
▲ 0.50% · 4.625%
HK$81,286
+HK$4,071/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,430/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,633 · Scale 2, in force from 26 Feb 2026)