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$36,592
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,730
−HK$1,156/mo
Today · 4.125%
HK$38,886
baseline
▲ 0.50% · 4.625%
HK$41,253
+HK$2,367/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,772/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,708
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,800
−HK$1,107/mo
Today · 4.125%
HK$42,907
baseline
▲ 0.50% · 4.625%
HK$45,169
+HK$2,262/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,814/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,910
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,276
−HK$1,388/mo
Today · 4.125%
HK$46,664
baseline
▲ 0.50% · 4.625%
HK$49,503
+HK$2,839/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,328/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,850
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,160
−HK$1,329/mo
Today · 4.125%
HK$51,489
baseline
▲ 0.50% · 4.625%
HK$54,203
+HK$2,714/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,978/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,229
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,822
−HK$1,619/mo
Today · 4.125%
HK$54,441
baseline
▲ 0.50% · 4.625%
HK$57,754
+HK$3,313/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,882/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,991
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,520
−HK$1,550/mo
Today · 4.125%
HK$60,070
baseline
▲ 0.50% · 4.625%
HK$63,237
+HK$3,167/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,140/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,865
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,914
−HK$2,082/mo
Today · 4.125%
HK$69,996
baseline
▲ 0.50% · 4.625%
HK$74,255
+HK$4,259/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,992/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,274
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,240
−HK$1,993/mo
Today · 4.125%
HK$77,233
baseline
▲ 0.50% · 4.625%
HK$81,304
+HK$4,071/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,466/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,771 · Scale 2, in force from 26 Feb 2026)