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$36,643
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,783
−HK$1,158/mo
Today · 4.125%
HK$38,941
baseline
▲ 0.50% · 4.625%
HK$41,310
+HK$2,369/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,882/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,765
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,858
−HK$1,109/mo
Today · 4.125%
HK$42,967
baseline
▲ 0.50% · 4.625%
HK$45,232
+HK$2,265/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,934/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,971
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,339
−HK$1,390/mo
Today · 4.125%
HK$46,729
baseline
▲ 0.50% · 4.625%
HK$49,572
+HK$2,843/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,458/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,918
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,230
−HK$1,331/mo
Today · 4.125%
HK$51,561
baseline
▲ 0.50% · 4.625%
HK$54,278
+HK$2,717/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,122/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,300
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,896
−HK$1,621/mo
Today · 4.125%
HK$54,517
baseline
▲ 0.50% · 4.625%
HK$57,834
+HK$3,317/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,034/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,071
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,601
−HK$1,553/mo
Today · 4.125%
HK$60,154
baseline
▲ 0.50% · 4.625%
HK$63,325
+HK$3,171/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,308/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,957
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,009
−HK$2,084/mo
Today · 4.125%
HK$70,093
baseline
▲ 0.50% · 4.625%
HK$74,358
+HK$4,265/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,186/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,377
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,344
−HK$1,997/mo
Today · 4.125%
HK$77,341
baseline
▲ 0.50% · 4.625%
HK$81,418
+HK$4,077/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,682/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,610 · Scale 2, in force from 26 Feb 2026)