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$36,672
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,813
−HK$1,159/mo
Today · 4.125%
HK$38,972
baseline
▲ 0.50% · 4.625%
HK$41,343
+HK$2,371/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,944/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,798
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,892
−HK$1,110/mo
Today · 4.125%
HK$43,002
baseline
▲ 0.50% · 4.625%
HK$45,269
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,004/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,007
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,376
−HK$1,391/mo
Today · 4.125%
HK$46,767
baseline
▲ 0.50% · 4.625%
HK$49,612
+HK$2,845/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,534/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,957
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,270
−HK$1,332/mo
Today · 4.125%
HK$51,602
baseline
▲ 0.50% · 4.625%
HK$54,322
+HK$2,720/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,204/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,341
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,938
−HK$1,623/mo
Today · 4.125%
HK$54,561
baseline
▲ 0.50% · 4.625%
HK$57,881
+HK$3,320/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$109,122/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,117
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,649
−HK$1,554/mo
Today · 4.125%
HK$60,203
baseline
▲ 0.50% · 4.625%
HK$63,376
+HK$3,173/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$120,406/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,010
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,064
−HK$2,086/mo
Today · 4.125%
HK$70,150
baseline
▲ 0.50% · 4.625%
HK$74,418
+HK$4,268/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,300/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,436
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,405
−HK$1,998/mo
Today · 4.125%
HK$77,403
baseline
▲ 0.50% · 4.625%
HK$81,483
+HK$4,080/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,806/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,098 · Scale 2, in force from 26 Feb 2026)