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$36,564
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,701
−HK$1,155/mo
Today · 4.125%
HK$38,856
baseline
▲ 0.50% · 4.625%
HK$41,221
+HK$2,365/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,712/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,677
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,768
−HK$1,106/mo
Today · 4.125%
HK$42,874
baseline
▲ 0.50% · 4.625%
HK$45,134
+HK$2,260/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,748/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,876
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,241
−HK$1,387/mo
Today · 4.125%
HK$46,628
baseline
▲ 0.50% · 4.625%
HK$49,465
+HK$2,837/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,256/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,812
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,121
−HK$1,328/mo
Today · 4.125%
HK$51,449
baseline
▲ 0.50% · 4.625%
HK$54,161
+HK$2,712/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,898/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,189
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,781
−HK$1,618/mo
Today · 4.125%
HK$54,399
baseline
▲ 0.50% · 4.625%
HK$57,709
+HK$3,310/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,798/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,947
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,475
−HK$1,549/mo
Today · 4.125%
HK$60,024
baseline
▲ 0.50% · 4.625%
HK$63,188
+HK$3,164/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$120,048/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,815
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,862
−HK$2,080/mo
Today · 4.125%
HK$69,942
baseline
▲ 0.50% · 4.625%
HK$74,197
+HK$4,255/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,884/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,218
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,182
−HK$1,992/mo
Today · 4.125%
HK$77,174
baseline
▲ 0.50% · 4.625%
HK$81,242
+HK$4,068/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,348/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,308 · Scale 2, in force from 26 Feb 2026)