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$36,578
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,716
−HK$1,156/mo
Today · 4.125%
HK$38,872
baseline
▲ 0.50% · 4.625%
HK$41,237
+HK$2,365/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,744/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,693
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,784
−HK$1,108/mo
Today · 4.125%
HK$42,892
baseline
▲ 0.50% · 4.625%
HK$45,153
+HK$2,261/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,784/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,894
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,259
−HK$1,388/mo
Today · 4.125%
HK$46,647
baseline
▲ 0.50% · 4.625%
HK$49,485
+HK$2,838/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$93,294/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,832
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,141
−HK$1,329/mo
Today · 4.125%
HK$51,470
baseline
▲ 0.50% · 4.625%
HK$54,183
+HK$2,713/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$102,940/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,210
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,803
−HK$1,618/mo
Today · 4.125%
HK$54,421
baseline
▲ 0.50% · 4.625%
HK$57,732
+HK$3,311/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,842/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,970
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,498
−HK$1,550/mo
Today · 4.125%
HK$60,048
baseline
▲ 0.50% · 4.625%
HK$63,214
+HK$3,166/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,096/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,841
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,889
−HK$2,081/mo
Today · 4.125%
HK$69,970
baseline
▲ 0.50% · 4.625%
HK$74,227
+HK$4,257/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,940/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,248
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,212
−HK$1,993/mo
Today · 4.125%
HK$77,205
baseline
▲ 0.50% · 4.625%
HK$81,275
+HK$4,070/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,410/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,551 · Scale 2, in force from 26 Feb 2026)