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$36,621
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,760
−HK$1,158/mo
Today · 4.125%
HK$38,918
baseline
▲ 0.50% · 4.625%
HK$41,286
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,836/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,741
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,833
−HK$1,109/mo
Today · 4.125%
HK$42,942
baseline
▲ 0.50% · 4.625%
HK$45,205
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,884/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,945
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,312
−HK$1,389/mo
Today · 4.125%
HK$46,701
baseline
▲ 0.50% · 4.625%
HK$49,543
+HK$2,842/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$93,402/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,889
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,200
−HK$1,330/mo
Today · 4.125%
HK$51,530
baseline
▲ 0.50% · 4.625%
HK$54,246
+HK$2,716/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$103,060/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,270
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,864
−HK$1,621/mo
Today · 4.125%
HK$54,485
baseline
▲ 0.50% · 4.625%
HK$57,800
+HK$3,315/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,970/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,037
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,567
−HK$1,551/mo
Today · 4.125%
HK$60,118
baseline
▲ 0.50% · 4.625%
HK$63,287
+HK$3,169/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,236/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,918
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,968
−HK$2,084/mo
Today · 4.125%
HK$70,052
baseline
▲ 0.50% · 4.625%
HK$74,314
+HK$4,262/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,104/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,333
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,300
−HK$1,995/mo
Today · 4.125%
HK$77,295
baseline
▲ 0.50% · 4.625%
HK$81,369
+HK$4,074/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,590/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,254 · Scale 2, in force from 26 Feb 2026)