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$36,576
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,713
−HK$1,156/mo
Today · 4.125%
HK$38,869
baseline
▲ 0.50% · 4.625%
HK$41,234
+HK$2,365/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,738/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,690
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,781
−HK$1,107/mo
Today · 4.125%
HK$42,888
baseline
▲ 0.50% · 4.625%
HK$45,149
+HK$2,261/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,776/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,891
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,256
−HK$1,387/mo
Today · 4.125%
HK$46,643
baseline
▲ 0.50% · 4.625%
HK$49,481
+HK$2,838/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$93,286/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,828
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,138
−HK$1,328/mo
Today · 4.125%
HK$51,466
baseline
▲ 0.50% · 4.625%
HK$54,179
+HK$2,713/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$102,932/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,206
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,799
−HK$1,618/mo
Today · 4.125%
HK$54,417
baseline
▲ 0.50% · 4.625%
HK$57,728
+HK$3,311/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,834/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,966
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,494
−HK$1,550/mo
Today · 4.125%
HK$60,044
baseline
▲ 0.50% · 4.625%
HK$63,209
+HK$3,165/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,088/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,836
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,884
−HK$2,081/mo
Today · 4.125%
HK$69,965
baseline
▲ 0.50% · 4.625%
HK$74,222
+HK$4,257/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,930/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,242
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,206
−HK$1,993/mo
Today · 4.125%
HK$77,199
baseline
▲ 0.50% · 4.625%
HK$81,268
+HK$4,069/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,398/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,507 · Scale 2, in force from 26 Feb 2026)