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$36,537
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,674
−HK$1,155/mo
Today · 4.125%
HK$38,829
baseline
▲ 0.50% · 4.625%
HK$41,191
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,658/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,648
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,738
−HK$1,106/mo
Today · 4.125%
HK$42,844
baseline
▲ 0.50% · 4.625%
HK$45,102
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,688/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,845
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,209
−HK$1,385/mo
Today · 4.125%
HK$46,594
baseline
▲ 0.50% · 4.625%
HK$49,430
+HK$2,836/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,188/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,777
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,085
−HK$1,327/mo
Today · 4.125%
HK$51,412
baseline
▲ 0.50% · 4.625%
HK$54,122
+HK$2,710/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,824/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,152
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,744
−HK$1,616/mo
Today · 4.125%
HK$54,360
baseline
▲ 0.50% · 4.625%
HK$57,668
+HK$3,308/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,720/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,907
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,433
−HK$1,548/mo
Today · 4.125%
HK$59,981
baseline
▲ 0.50% · 4.625%
HK$63,143
+HK$3,162/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,962/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,767
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,813
−HK$2,079/mo
Today · 4.125%
HK$69,892
baseline
▲ 0.50% · 4.625%
HK$74,144
+HK$4,252/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,784/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,166
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,128
−HK$1,990/mo
Today · 4.125%
HK$77,118
baseline
▲ 0.50% · 4.625%
HK$81,183
+HK$4,065/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,236/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,877 · Scale 2, in force from 26 Feb 2026)