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$36,626
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,766
−HK$1,157/mo
Today · 4.125%
HK$38,923
baseline
▲ 0.50% · 4.625%
HK$41,292
+HK$2,369/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,846/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,747
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,839
−HK$1,109/mo
Today · 4.125%
HK$42,948
baseline
▲ 0.50% · 4.625%
HK$45,212
+HK$2,264/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,896/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,952
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,319
−HK$1,389/mo
Today · 4.125%
HK$46,708
baseline
▲ 0.50% · 4.625%
HK$49,550
+HK$2,842/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$93,416/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,896
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,207
−HK$1,331/mo
Today · 4.125%
HK$51,538
baseline
▲ 0.50% · 4.625%
HK$54,254
+HK$2,716/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$103,076/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,277
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,872
−HK$1,621/mo
Today · 4.125%
HK$54,493
baseline
▲ 0.50% · 4.625%
HK$57,808
+HK$3,315/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,986/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,045
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,575
−HK$1,552/mo
Today · 4.125%
HK$60,127
baseline
▲ 0.50% · 4.625%
HK$63,297
+HK$3,170/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,254/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,928
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,978
−HK$2,084/mo
Today · 4.125%
HK$70,062
baseline
▲ 0.50% · 4.625%
HK$74,325
+HK$4,263/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,124/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,344
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,311
−HK$1,995/mo
Today · 4.125%
HK$77,306
baseline
▲ 0.50% · 4.625%
HK$81,381
+HK$4,075/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,612/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,341 · Scale 2, in force from 26 Feb 2026)