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$36,658
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,799
−HK$1,158/mo
Today · 4.125%
HK$38,957
baseline
▲ 0.50% · 4.625%
HK$41,328
+HK$2,371/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,914/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,782
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,876
−HK$1,109/mo
Today · 4.125%
HK$42,985
baseline
▲ 0.50% · 4.625%
HK$45,251
+HK$2,266/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,970/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,990
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,358
−HK$1,391/mo
Today · 4.125%
HK$46,749
baseline
▲ 0.50% · 4.625%
HK$49,593
+HK$2,844/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,498/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,939
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,251
−HK$1,332/mo
Today · 4.125%
HK$51,583
baseline
▲ 0.50% · 4.625%
HK$54,302
+HK$2,719/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,166/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,322
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,918
−HK$1,622/mo
Today · 4.125%
HK$54,540
baseline
▲ 0.50% · 4.625%
HK$57,859
+HK$3,319/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,080/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,095
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,626
−HK$1,554/mo
Today · 4.125%
HK$60,180
baseline
▲ 0.50% · 4.625%
HK$63,352
+HK$3,172/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,360/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,985
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,038
−HK$2,085/mo
Today · 4.125%
HK$70,123
baseline
▲ 0.50% · 4.625%
HK$74,390
+HK$4,267/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,246/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,408
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,377
−HK$1,997/mo
Today · 4.125%
HK$77,374
baseline
▲ 0.50% · 4.625%
HK$81,452
+HK$4,078/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,748/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,868 · Scale 2, in force from 26 Feb 2026)