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$36,609
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,748
−HK$1,157/mo
Today · 4.125%
HK$38,905
baseline
▲ 0.50% · 4.625%
HK$41,272
+HK$2,367/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,810/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,727
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,820
−HK$1,108/mo
Today · 4.125%
HK$42,928
baseline
▲ 0.50% · 4.625%
HK$45,190
+HK$2,262/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,856/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,931
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,297
−HK$1,389/mo
Today · 4.125%
HK$46,686
baseline
▲ 0.50% · 4.625%
HK$49,527
+HK$2,841/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,372/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$602,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,873
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,183
−HK$1,330/mo
Today · 4.125%
HK$51,513
baseline
▲ 0.50% · 4.625%
HK$54,229
+HK$2,716/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,026/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$602,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,253
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,847
−HK$1,620/mo
Today · 4.125%
HK$54,467
baseline
▲ 0.50% · 4.625%
HK$57,781
+HK$3,314/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,934/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,018
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,547
−HK$1,552/mo
Today · 4.125%
HK$60,099
baseline
▲ 0.50% · 4.625%
HK$63,267
+HK$3,168/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,198/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,896
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,946
−HK$2,083/mo
Today · 4.125%
HK$70,029
baseline
▲ 0.50% · 4.625%
HK$74,290
+HK$4,261/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,058/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,309
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,275
−HK$1,995/mo
Today · 4.125%
HK$77,270
baseline
▲ 0.50% · 4.625%
HK$81,343
+HK$4,073/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,540/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,057 · Scale 2, in force from 26 Feb 2026)