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$36,572
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,709
−HK$1,156/mo
Today · 4.125%
HK$38,865
baseline
▲ 0.50% · 4.625%
HK$41,230
+HK$2,365/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,730/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,686
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,777
−HK$1,107/mo
Today · 4.125%
HK$42,884
baseline
▲ 0.50% · 4.625%
HK$45,144
+HK$2,260/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,768/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,886
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,251
−HK$1,387/mo
Today · 4.125%
HK$46,638
baseline
▲ 0.50% · 4.625%
HK$49,476
+HK$2,838/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$93,276/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,823
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,132
−HK$1,329/mo
Today · 4.125%
HK$51,461
baseline
▲ 0.50% · 4.625%
HK$54,173
+HK$2,712/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$102,922/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,200
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,793
−HK$1,618/mo
Today · 4.125%
HK$54,411
baseline
▲ 0.50% · 4.625%
HK$57,722
+HK$3,311/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,822/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,960
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,488
−HK$1,549/mo
Today · 4.125%
HK$60,037
baseline
▲ 0.50% · 4.625%
HK$63,202
+HK$3,165/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,074/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,829
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,877
−HK$2,080/mo
Today · 4.125%
HK$69,957
baseline
▲ 0.50% · 4.625%
HK$74,214
+HK$4,257/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,914/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,234
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,198
−HK$1,993/mo
Today · 4.125%
HK$77,191
baseline
▲ 0.50% · 4.625%
HK$81,260
+HK$4,069/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,382/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,442 · Scale 2, in force from 26 Feb 2026)