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$36,598
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,736
−HK$1,157/mo
Today · 4.125%
HK$38,893
baseline
▲ 0.50% · 4.625%
HK$41,260
+HK$2,367/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,786/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,715
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,807
−HK$1,108/mo
Today · 4.125%
HK$42,915
baseline
▲ 0.50% · 4.625%
HK$45,177
+HK$2,262/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,830/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,918
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,284
−HK$1,388/mo
Today · 4.125%
HK$46,672
baseline
▲ 0.50% · 4.625%
HK$49,511
+HK$2,839/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,344/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,858
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,168
−HK$1,329/mo
Today · 4.125%
HK$51,497
baseline
▲ 0.50% · 4.625%
HK$54,212
+HK$2,715/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,994/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,237
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,831
−HK$1,619/mo
Today · 4.125%
HK$54,450
baseline
▲ 0.50% · 4.625%
HK$57,763
+HK$3,313/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,900/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,001
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,530
−HK$1,550/mo
Today · 4.125%
HK$60,080
baseline
▲ 0.50% · 4.625%
HK$63,247
+HK$3,167/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,160/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,876
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,925
−HK$2,082/mo
Today · 4.125%
HK$70,007
baseline
▲ 0.50% · 4.625%
HK$74,267
+HK$4,260/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$140,014/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,287
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,252
−HK$1,994/mo
Today · 4.125%
HK$77,246
baseline
▲ 0.50% · 4.625%
HK$81,318
+HK$4,072/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,492/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,873 · Scale 2, in force from 26 Feb 2026)