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$36,518
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,654
−HK$1,154/mo
Today · 4.125%
HK$38,808
baseline
▲ 0.50% · 4.625%
HK$41,170
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,616/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,626
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,716
−HK$1,105/mo
Today · 4.125%
HK$42,821
baseline
▲ 0.50% · 4.625%
HK$45,078
+HK$2,257/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,642/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,822
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,185
−HK$1,385/mo
Today · 4.125%
HK$46,570
baseline
▲ 0.50% · 4.625%
HK$49,403
+HK$2,833/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,140/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,751
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,059
−HK$1,326/mo
Today · 4.125%
HK$51,385
baseline
▲ 0.50% · 4.625%
HK$54,094
+HK$2,709/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,770/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,125
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,716
−HK$1,615/mo
Today · 4.125%
HK$54,331
baseline
▲ 0.50% · 4.625%
HK$57,637
+HK$3,306/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,662/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,877
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,402
−HK$1,547/mo
Today · 4.125%
HK$59,949
baseline
▲ 0.50% · 4.625%
HK$63,109
+HK$3,160/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,898/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,733
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,777
−HK$2,078/mo
Today · 4.125%
HK$69,855
baseline
▲ 0.50% · 4.625%
HK$74,105
+HK$4,250/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,710/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,127
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,088
−HK$1,990/mo
Today · 4.125%
HK$77,078
baseline
▲ 0.50% · 4.625%
HK$81,141
+HK$4,063/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,156/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,560 · Scale 2, in force from 26 Feb 2026)