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$36,596
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,734
−HK$1,157/mo
Today · 4.125%
HK$38,891
baseline
▲ 0.50% · 4.625%
HK$41,257
+HK$2,366/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,782/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,713
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,805
−HK$1,107/mo
Today · 4.125%
HK$42,912
baseline
▲ 0.50% · 4.625%
HK$45,174
+HK$2,262/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,824/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,915
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,281
−HK$1,388/mo
Today · 4.125%
HK$46,669
baseline
▲ 0.50% · 4.625%
HK$49,509
+HK$2,840/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,338/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,855
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,166
−HK$1,329/mo
Today · 4.125%
HK$51,495
baseline
▲ 0.50% · 4.625%
HK$54,209
+HK$2,714/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,990/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,235
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,828
−HK$1,619/mo
Today · 4.125%
HK$54,447
baseline
▲ 0.50% · 4.625%
HK$57,760
+HK$3,313/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,894/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,998
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,527
−HK$1,550/mo
Today · 4.125%
HK$60,077
baseline
▲ 0.50% · 4.625%
HK$63,244
+HK$3,167/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,154/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,873
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,922
−HK$2,082/mo
Today · 4.125%
HK$70,004
baseline
▲ 0.50% · 4.625%
HK$74,263
+HK$4,259/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$140,008/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,283
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,248
−HK$1,994/mo
Today · 4.125%
HK$77,242
baseline
▲ 0.50% · 4.625%
HK$81,314
+HK$4,072/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,484/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,842 · Scale 2, in force from 26 Feb 2026)