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$36,525
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,661
−HK$1,154/mo
Today · 4.125%
HK$38,815
baseline
▲ 0.50% · 4.625%
HK$41,177
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,630/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,634
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,723
−HK$1,106/mo
Today · 4.125%
HK$42,829
baseline
▲ 0.50% · 4.625%
HK$45,087
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,658/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,830
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,193
−HK$1,385/mo
Today · 4.125%
HK$46,578
baseline
▲ 0.50% · 4.625%
HK$49,413
+HK$2,835/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,156/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,760
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,068
−HK$1,327/mo
Today · 4.125%
HK$51,395
baseline
▲ 0.50% · 4.625%
HK$54,104
+HK$2,709/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,790/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,135
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,725
−HK$1,617/mo
Today · 4.125%
HK$54,342
baseline
▲ 0.50% · 4.625%
HK$57,648
+HK$3,306/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$108,684/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,887
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,413
−HK$1,548/mo
Today · 4.125%
HK$59,961
baseline
▲ 0.50% · 4.625%
HK$63,121
+HK$3,160/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$119,922/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,745
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,790
−HK$2,078/mo
Today · 4.125%
HK$69,868
baseline
▲ 0.50% · 4.625%
HK$74,119
+HK$4,251/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,736/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,141
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,102
−HK$1,990/mo
Today · 4.125%
HK$77,092
baseline
▲ 0.50% · 4.625%
HK$81,156
+HK$4,064/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,184/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,672 · Scale 2, in force from 26 Feb 2026)