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$36,656
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,796
−HK$1,159/mo
Today · 4.125%
HK$38,955
baseline
▲ 0.50% · 4.625%
HK$41,325
+HK$2,370/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,910/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,779
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,873
−HK$1,110/mo
Today · 4.125%
HK$42,983
baseline
▲ 0.50% · 4.625%
HK$45,248
+HK$2,265/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,966/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,987
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,355
−HK$1,391/mo
Today · 4.125%
HK$46,746
baseline
▲ 0.50% · 4.625%
HK$49,590
+HK$2,844/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,492/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,935
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,248
−HK$1,331/mo
Today · 4.125%
HK$51,579
baseline
▲ 0.50% · 4.625%
HK$54,298
+HK$2,719/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,158/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,318
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,915
−HK$1,621/mo
Today · 4.125%
HK$54,536
baseline
▲ 0.50% · 4.625%
HK$57,855
+HK$3,319/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,072/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,091
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,622
−HK$1,554/mo
Today · 4.125%
HK$60,176
baseline
▲ 0.50% · 4.625%
HK$63,348
+HK$3,172/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,352/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,981
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,033
−HK$2,085/mo
Today · 4.125%
HK$70,118
baseline
▲ 0.50% · 4.625%
HK$74,385
+HK$4,267/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,236/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,403
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,372
−HK$1,997/mo
Today · 4.125%
HK$77,369
baseline
▲ 0.50% · 4.625%
HK$81,447
+HK$4,078/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,738/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,827 · Scale 2, in force from 26 Feb 2026)