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$36,645
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,785
−HK$1,158/mo
Today · 4.125%
HK$38,943
baseline
▲ 0.50% · 4.625%
HK$41,312
+HK$2,369/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,886/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,767
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,860
−HK$1,109/mo
Today · 4.125%
HK$42,969
baseline
▲ 0.50% · 4.625%
HK$45,234
+HK$2,265/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,938/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,974
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,342
−HK$1,389/mo
Today · 4.125%
HK$46,731
baseline
▲ 0.50% · 4.625%
HK$49,575
+HK$2,844/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,462/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,920
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,232
−HK$1,331/mo
Today · 4.125%
HK$51,563
baseline
▲ 0.50% · 4.625%
HK$54,281
+HK$2,718/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,126/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,303
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,898
−HK$1,622/mo
Today · 4.125%
HK$54,520
baseline
▲ 0.50% · 4.625%
HK$57,837
+HK$3,317/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,040/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,074
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,604
−HK$1,553/mo
Today · 4.125%
HK$60,157
baseline
▲ 0.50% · 4.625%
HK$63,328
+HK$3,171/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,314/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,961
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,012
−HK$2,085/mo
Today · 4.125%
HK$70,097
baseline
▲ 0.50% · 4.625%
HK$74,362
+HK$4,265/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,194/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,380
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,348
−HK$1,997/mo
Today · 4.125%
HK$77,345
baseline
▲ 0.50% · 4.625%
HK$81,422
+HK$4,077/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,690/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,642 · Scale 2, in force from 26 Feb 2026)