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$36,534
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,670
−HK$1,155/mo
Today · 4.125%
HK$38,825
baseline
▲ 0.50% · 4.625%
HK$41,187
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,650/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,643
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,733
−HK$1,106/mo
Today · 4.125%
HK$42,839
baseline
▲ 0.50% · 4.625%
HK$45,097
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,678/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,840
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,204
−HK$1,386/mo
Today · 4.125%
HK$46,590
baseline
▲ 0.50% · 4.625%
HK$49,424
+HK$2,834/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,180/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,772
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,080
−HK$1,327/mo
Today · 4.125%
HK$51,407
baseline
▲ 0.50% · 4.625%
HK$54,117
+HK$2,710/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,814/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,147
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,738
−HK$1,616/mo
Today · 4.125%
HK$54,354
baseline
▲ 0.50% · 4.625%
HK$57,662
+HK$3,308/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,708/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,901
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,427
−HK$1,548/mo
Today · 4.125%
HK$59,975
baseline
▲ 0.50% · 4.625%
HK$63,136
+HK$3,161/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,950/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,761
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,806
−HK$2,078/mo
Today · 4.125%
HK$69,884
baseline
▲ 0.50% · 4.625%
HK$74,137
+HK$4,253/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,768/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,158
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,120
−HK$1,990/mo
Today · 4.125%
HK$77,110
baseline
▲ 0.50% · 4.625%
HK$81,175
+HK$4,065/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,220/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,815 · Scale 2, in force from 26 Feb 2026)