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$36,553
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,690
−HK$1,155/mo
Today · 4.125%
HK$38,845
baseline
▲ 0.50% · 4.625%
HK$41,209
+HK$2,364/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,690/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,665
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,756
−HK$1,106/mo
Today · 4.125%
HK$42,862
baseline
▲ 0.50% · 4.625%
HK$45,121
+HK$2,259/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,724/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,864
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,228
−HK$1,386/mo
Today · 4.125%
HK$46,614
baseline
▲ 0.50% · 4.625%
HK$49,451
+HK$2,837/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,228/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,798
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,107
−HK$1,327/mo
Today · 4.125%
HK$51,434
baseline
▲ 0.50% · 4.625%
HK$54,146
+HK$2,712/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,868/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,174
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,766
−HK$1,618/mo
Today · 4.125%
HK$54,384
baseline
▲ 0.50% · 4.625%
HK$57,693
+HK$3,309/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,768/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,931
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,458
−HK$1,549/mo
Today · 4.125%
HK$60,007
baseline
▲ 0.50% · 4.625%
HK$63,170
+HK$3,163/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$120,014/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,796
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,842
−HK$2,080/mo
Today · 4.125%
HK$69,922
baseline
▲ 0.50% · 4.625%
HK$74,176
+HK$4,254/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,844/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,197
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,160
−HK$1,992/mo
Today · 4.125%
HK$77,152
baseline
▲ 0.50% · 4.625%
HK$81,218
+HK$4,066/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,304/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,136 · Scale 2, in force from 26 Feb 2026)