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$36,602
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,741
−HK$1,157/mo
Today · 4.125%
HK$38,898
baseline
▲ 0.50% · 4.625%
HK$41,265
+HK$2,367/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,796/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,720
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,812
−HK$1,108/mo
Today · 4.125%
HK$42,920
baseline
▲ 0.50% · 4.625%
HK$45,182
+HK$2,262/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,840/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,923
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,289
−HK$1,388/mo
Today · 4.125%
HK$46,677
baseline
▲ 0.50% · 4.625%
HK$49,517
+HK$2,840/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,354/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,864
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,174
−HK$1,330/mo
Today · 4.125%
HK$51,504
baseline
▲ 0.50% · 4.625%
HK$54,219
+HK$2,715/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,008/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,243
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,837
−HK$1,620/mo
Today · 4.125%
HK$54,457
baseline
▲ 0.50% · 4.625%
HK$57,770
+HK$3,313/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,914/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,008
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,537
−HK$1,551/mo
Today · 4.125%
HK$60,088
baseline
▲ 0.50% · 4.625%
HK$63,255
+HK$3,167/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,176/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,884
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,934
−HK$2,082/mo
Today · 4.125%
HK$70,016
baseline
▲ 0.50% · 4.625%
HK$74,276
+HK$4,260/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,032/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,296
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,261
−HK$1,995/mo
Today · 4.125%
HK$77,256
baseline
▲ 0.50% · 4.625%
HK$81,328
+HK$4,072/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,512/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,946 · Scale 2, in force from 26 Feb 2026)