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$36,532
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,668
−HK$1,155/mo
Today · 4.125%
HK$38,823
baseline
▲ 0.50% · 4.625%
HK$41,185
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,646/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,642
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,732
−HK$1,105/mo
Today · 4.125%
HK$42,837
baseline
▲ 0.50% · 4.625%
HK$45,095
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,674/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,838
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,202
−HK$1,386/mo
Today · 4.125%
HK$46,588
baseline
▲ 0.50% · 4.625%
HK$49,422
+HK$2,834/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,176/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,770
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,078
−HK$1,327/mo
Today · 4.125%
HK$51,405
baseline
▲ 0.50% · 4.625%
HK$54,114
+HK$2,709/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,810/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,145
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,736
−HK$1,616/mo
Today · 4.125%
HK$54,352
baseline
▲ 0.50% · 4.625%
HK$57,659
+HK$3,307/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$108,704/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,898
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,424
−HK$1,548/mo
Today · 4.125%
HK$59,972
baseline
▲ 0.50% · 4.625%
HK$63,133
+HK$3,161/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$119,944/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,758
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,803
−HK$2,078/mo
Today · 4.125%
HK$69,881
baseline
▲ 0.50% · 4.625%
HK$74,133
+HK$4,252/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,762/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,155
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,117
−HK$1,990/mo
Today · 4.125%
HK$77,107
baseline
▲ 0.50% · 4.625%
HK$81,172
+HK$4,065/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,214/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,789 · Scale 2, in force from 26 Feb 2026)