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$36,580
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,718
−HK$1,156/mo
Today · 4.125%
HK$38,874
baseline
▲ 0.50% · 4.625%
HK$41,240
+HK$2,366/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,748/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,695
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,787
−HK$1,107/mo
Today · 4.125%
HK$42,894
baseline
▲ 0.50% · 4.625%
HK$45,155
+HK$2,261/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,788/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,897
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,262
−HK$1,387/mo
Today · 4.125%
HK$46,649
baseline
▲ 0.50% · 4.625%
HK$49,488
+HK$2,839/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,298/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,834
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,144
−HK$1,329/mo
Today · 4.125%
HK$51,473
baseline
▲ 0.50% · 4.625%
HK$54,186
+HK$2,713/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,946/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,213
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,806
−HK$1,618/mo
Today · 4.125%
HK$54,424
baseline
▲ 0.50% · 4.625%
HK$57,736
+HK$3,312/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,848/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,973
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,501
−HK$1,551/mo
Today · 4.125%
HK$60,052
baseline
▲ 0.50% · 4.625%
HK$63,217
+HK$3,165/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,104/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,845
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,893
−HK$2,081/mo
Today · 4.125%
HK$69,974
baseline
▲ 0.50% · 4.625%
HK$74,232
+HK$4,258/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,948/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,252
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,216
−HK$1,993/mo
Today · 4.125%
HK$77,209
baseline
▲ 0.50% · 4.625%
HK$81,279
+HK$4,070/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,418/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,584 · Scale 2, in force from 26 Feb 2026)