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$36,528
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,664
−HK$1,154/mo
Today · 4.125%
HK$38,818
baseline
▲ 0.50% · 4.625%
HK$41,180
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,636/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,637
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,727
−HK$1,105/mo
Today · 4.125%
HK$42,832
baseline
▲ 0.50% · 4.625%
HK$45,090
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,664/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,833
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,197
−HK$1,385/mo
Today · 4.125%
HK$46,582
baseline
▲ 0.50% · 4.625%
HK$49,416
+HK$2,834/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,164/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,764
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,072
−HK$1,327/mo
Today · 4.125%
HK$51,399
baseline
▲ 0.50% · 4.625%
HK$54,108
+HK$2,709/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,798/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,139
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,730
−HK$1,616/mo
Today · 4.125%
HK$54,346
baseline
▲ 0.50% · 4.625%
HK$57,652
+HK$3,306/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$108,692/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,891
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,417
−HK$1,548/mo
Today · 4.125%
HK$59,965
baseline
▲ 0.50% · 4.625%
HK$63,126
+HK$3,161/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$119,930/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,750
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,795
−HK$2,078/mo
Today · 4.125%
HK$69,873
baseline
▲ 0.50% · 4.625%
HK$74,125
+HK$4,252/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,746/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,146
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,108
−HK$1,990/mo
Today · 4.125%
HK$77,098
baseline
▲ 0.50% · 4.625%
HK$81,162
+HK$4,064/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,196/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,718 · Scale 2, in force from 26 Feb 2026)