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$36,510
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,645
−HK$1,154/mo
Today · 4.125%
HK$38,799
baseline
▲ 0.50% · 4.625%
HK$41,160
+HK$2,361/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,598/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,617
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,706
−HK$1,105/mo
Today · 4.125%
HK$42,811
baseline
▲ 0.50% · 4.625%
HK$45,068
+HK$2,257/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,622/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,812
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,175
−HK$1,384/mo
Today · 4.125%
HK$46,559
baseline
▲ 0.50% · 4.625%
HK$49,392
+HK$2,833/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$93,118/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,740
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,047
−HK$1,326/mo
Today · 4.125%
HK$51,373
baseline
▲ 0.50% · 4.625%
HK$54,081
+HK$2,708/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$102,746/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,114
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,704
−HK$1,615/mo
Today · 4.125%
HK$54,319
baseline
▲ 0.50% · 4.625%
HK$57,624
+HK$3,305/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,638/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,864
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,389
−HK$1,547/mo
Today · 4.125%
HK$59,936
baseline
▲ 0.50% · 4.625%
HK$63,095
+HK$3,159/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,872/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,718
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,762
−HK$2,077/mo
Today · 4.125%
HK$69,839
baseline
▲ 0.50% · 4.625%
HK$74,088
+HK$4,249/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,678/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,110
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,071
−HK$1,989/mo
Today · 4.125%
HK$77,060
baseline
▲ 0.50% · 4.625%
HK$81,122
+HK$4,062/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,120/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,423 · Scale 2, in force from 26 Feb 2026)