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$36,595
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,733
−HK$1,157/mo
Today · 4.125%
HK$38,890
baseline
▲ 0.50% · 4.625%
HK$41,256
+HK$2,366/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,780/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,711
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,803
−HK$1,108/mo
Today · 4.125%
HK$42,911
baseline
▲ 0.50% · 4.625%
HK$45,173
+HK$2,262/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,822/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,914
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,280
−HK$1,387/mo
Today · 4.125%
HK$46,667
baseline
▲ 0.50% · 4.625%
HK$49,507
+HK$2,840/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,334/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,854
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,164
−HK$1,329/mo
Today · 4.125%
HK$51,493
baseline
▲ 0.50% · 4.625%
HK$54,207
+HK$2,714/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,986/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,233
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,826
−HK$1,619/mo
Today · 4.125%
HK$54,445
baseline
▲ 0.50% · 4.625%
HK$57,758
+HK$3,313/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,890/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,996
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,524
−HK$1,551/mo
Today · 4.125%
HK$60,075
baseline
▲ 0.50% · 4.625%
HK$63,242
+HK$3,167/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,150/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,871
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,919
−HK$2,082/mo
Today · 4.125%
HK$70,001
baseline
▲ 0.50% · 4.625%
HK$74,261
+HK$4,260/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$140,002/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,280
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,246
−HK$1,993/mo
Today · 4.125%
HK$77,239
baseline
▲ 0.50% · 4.625%
HK$81,311
+HK$4,072/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,478/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,820 · Scale 2, in force from 26 Feb 2026)