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$36,599
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,737
−HK$1,157/mo
Today · 4.125%
HK$38,894
baseline
▲ 0.50% · 4.625%
HK$41,260
+HK$2,366/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,788/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,716
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,808
−HK$1,107/mo
Today · 4.125%
HK$42,915
baseline
▲ 0.50% · 4.625%
HK$45,178
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,830/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,918
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,285
−HK$1,388/mo
Today · 4.125%
HK$46,673
baseline
▲ 0.50% · 4.625%
HK$49,512
+HK$2,839/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,346/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,859
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,169
−HK$1,330/mo
Today · 4.125%
HK$51,499
baseline
▲ 0.50% · 4.625%
HK$54,213
+HK$2,714/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,998/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,238
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,832
−HK$1,619/mo
Today · 4.125%
HK$54,451
baseline
▲ 0.50% · 4.625%
HK$57,765
+HK$3,314/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,902/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,002
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,531
−HK$1,551/mo
Today · 4.125%
HK$60,082
baseline
▲ 0.50% · 4.625%
HK$63,249
+HK$3,167/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,164/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,878
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,927
−HK$2,082/mo
Today · 4.125%
HK$70,009
baseline
▲ 0.50% · 4.625%
HK$74,269
+HK$4,260/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,018/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,288
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,254
−HK$1,994/mo
Today · 4.125%
HK$77,248
baseline
▲ 0.50% · 4.625%
HK$81,320
+HK$4,072/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,496/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,886 · Scale 2, in force from 26 Feb 2026)