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$36,622
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,761
−HK$1,157/mo
Today · 4.125%
HK$38,918
baseline
▲ 0.50% · 4.625%
HK$41,286
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,836/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,741
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,834
−HK$1,108/mo
Today · 4.125%
HK$42,942
baseline
▲ 0.50% · 4.625%
HK$45,206
+HK$2,264/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,884/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,946
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,313
−HK$1,389/mo
Today · 4.125%
HK$46,702
baseline
▲ 0.50% · 4.625%
HK$49,544
+HK$2,842/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$93,404/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,890
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,201
−HK$1,330/mo
Today · 4.125%
HK$51,531
baseline
▲ 0.50% · 4.625%
HK$54,247
+HK$2,716/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$103,062/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,270
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,865
−HK$1,621/mo
Today · 4.125%
HK$54,486
baseline
▲ 0.50% · 4.625%
HK$57,801
+HK$3,315/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,972/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,038
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,568
−HK$1,551/mo
Today · 4.125%
HK$60,119
baseline
▲ 0.50% · 4.625%
HK$63,288
+HK$3,169/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,238/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,919
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,970
−HK$2,083/mo
Today · 4.125%
HK$70,053
baseline
▲ 0.50% · 4.625%
HK$74,315
+HK$4,262/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,106/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,334
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,301
−HK$1,995/mo
Today · 4.125%
HK$77,296
baseline
▲ 0.50% · 4.625%
HK$81,371
+HK$4,075/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,592/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,264 · Scale 2, in force from 26 Feb 2026)