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$36,659
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,799
−HK$1,159/mo
Today · 4.125%
HK$38,958
baseline
▲ 0.50% · 4.625%
HK$41,328
+HK$2,370/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,916/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,783
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,877
−HK$1,109/mo
Today · 4.125%
HK$42,986
baseline
▲ 0.50% · 4.625%
HK$45,252
+HK$2,266/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,972/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,991
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,359
−HK$1,391/mo
Today · 4.125%
HK$46,750
baseline
▲ 0.50% · 4.625%
HK$49,594
+HK$2,844/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,500/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,939
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,252
−HK$1,332/mo
Today · 4.125%
HK$51,584
baseline
▲ 0.50% · 4.625%
HK$54,303
+HK$2,719/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,168/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,323
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,919
−HK$1,622/mo
Today · 4.125%
HK$54,541
baseline
▲ 0.50% · 4.625%
HK$57,860
+HK$3,319/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,082/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,096
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,627
−HK$1,554/mo
Today · 4.125%
HK$60,181
baseline
▲ 0.50% · 4.625%
HK$63,353
+HK$3,172/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,362/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,986
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,039
−HK$2,085/mo
Today · 4.125%
HK$70,124
baseline
▲ 0.50% · 4.625%
HK$74,391
+HK$4,267/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,248/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,409
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,378
−HK$1,997/mo
Today · 4.125%
HK$77,375
baseline
▲ 0.50% · 4.625%
HK$81,454
+HK$4,079/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,750/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,879 · Scale 2, in force from 26 Feb 2026)