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$36,603
−HK$2,295/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$601,955 · 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$45,183
+HK$2,263/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$601,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,924
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,290
−HK$1,388/mo
Today · 4.125%
HK$46,678
baseline
▲ 0.50% · 4.625%
HK$49,518
+HK$2,840/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,356/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,864
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,175
−HK$1,329/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$601,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,244
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,838
−HK$1,620/mo
Today · 4.125%
HK$54,458
baseline
▲ 0.50% · 4.625%
HK$57,771
+HK$3,313/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,916/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,009
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,537
−HK$1,552/mo
Today · 4.125%
HK$60,089
baseline
▲ 0.50% · 4.625%
HK$63,256
+HK$3,167/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,178/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,885
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,935
−HK$2,082/mo
Today · 4.125%
HK$70,017
baseline
▲ 0.50% · 4.625%
HK$74,277
+HK$4,260/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,034/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,297
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,262
−HK$1,995/mo
Today · 4.125%
HK$77,257
baseline
▲ 0.50% · 4.625%
HK$81,329
+HK$4,072/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,514/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,955 · Scale 2, in force from 26 Feb 2026)