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$36,637
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,776
−HK$1,158/mo
Today · 4.125%
HK$38,934
baseline
▲ 0.50% · 4.625%
HK$41,303
+HK$2,369/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,868/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,758
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,851
−HK$1,109/mo
Today · 4.125%
HK$42,960
baseline
▲ 0.50% · 4.625%
HK$45,225
+HK$2,265/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,920/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,964
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,332
−HK$1,389/mo
Today · 4.125%
HK$46,721
baseline
▲ 0.50% · 4.625%
HK$49,564
+HK$2,843/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,442/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,910
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,221
−HK$1,331/mo
Today · 4.125%
HK$51,552
baseline
▲ 0.50% · 4.625%
HK$54,270
+HK$2,718/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,104/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,292
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,887
−HK$1,621/mo
Today · 4.125%
HK$54,508
baseline
▲ 0.50% · 4.625%
HK$57,825
+HK$3,317/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,016/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,061
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,592
−HK$1,552/mo
Today · 4.125%
HK$60,144
baseline
▲ 0.50% · 4.625%
HK$63,314
+HK$3,170/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,288/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,946
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$67,998
−HK$2,084/mo
Today · 4.125%
HK$70,082
baseline
▲ 0.50% · 4.625%
HK$74,346
+HK$4,264/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,164/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,365
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,332
−HK$1,996/mo
Today · 4.125%
HK$77,328
baseline
▲ 0.50% · 4.625%
HK$81,404
+HK$4,076/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,656/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,512 · Scale 2, in force from 26 Feb 2026)