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$36,617
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,756
−HK$1,157/mo
Today · 4.125%
HK$38,913
baseline
▲ 0.50% · 4.625%
HK$41,281
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,826/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,736
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,828
−HK$1,109/mo
Today · 4.125%
HK$42,937
baseline
▲ 0.50% · 4.625%
HK$45,200
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,874/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,940
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,307
−HK$1,389/mo
Today · 4.125%
HK$46,696
baseline
▲ 0.50% · 4.625%
HK$49,537
+HK$2,841/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,392/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,883
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,194
−HK$1,330/mo
Today · 4.125%
HK$51,524
baseline
▲ 0.50% · 4.625%
HK$54,240
+HK$2,716/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,048/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,263
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,858
−HK$1,620/mo
Today · 4.125%
HK$54,478
baseline
▲ 0.50% · 4.625%
HK$57,793
+HK$3,315/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,956/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,030
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,560
−HK$1,551/mo
Today · 4.125%
HK$60,111
baseline
▲ 0.50% · 4.625%
HK$63,280
+HK$3,169/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,222/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,910
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,960
−HK$2,083/mo
Today · 4.125%
HK$70,043
baseline
▲ 0.50% · 4.625%
HK$74,305
+HK$4,262/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,086/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,324
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,291
−HK$1,995/mo
Today · 4.125%
HK$77,286
baseline
▲ 0.50% · 4.625%
HK$81,360
+HK$4,074/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,572/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,182 · Scale 2, in force from 26 Feb 2026)