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$36,552
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,689
−HK$1,155/mo
Today · 4.125%
HK$38,844
baseline
▲ 0.50% · 4.625%
HK$41,207
+HK$2,363/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,688/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,663
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,754
−HK$1,106/mo
Today · 4.125%
HK$42,860
baseline
▲ 0.50% · 4.625%
HK$45,120
+HK$2,260/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,720/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,862
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,226
−HK$1,387/mo
Today · 4.125%
HK$46,613
baseline
▲ 0.50% · 4.625%
HK$49,449
+HK$2,836/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,226/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,796
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,105
−HK$1,327/mo
Today · 4.125%
HK$51,432
baseline
▲ 0.50% · 4.625%
HK$54,143
+HK$2,711/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,864/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,172
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,764
−HK$1,617/mo
Today · 4.125%
HK$54,381
baseline
▲ 0.50% · 4.625%
HK$57,690
+HK$3,309/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,762/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,929
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,456
−HK$1,548/mo
Today · 4.125%
HK$60,004
baseline
▲ 0.50% · 4.625%
HK$63,167
+HK$3,163/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$120,008/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,793
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,840
−HK$2,079/mo
Today · 4.125%
HK$69,919
baseline
▲ 0.50% · 4.625%
HK$74,173
+HK$4,254/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,838/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,194
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,157
−HK$1,992/mo
Today · 4.125%
HK$77,149
baseline
▲ 0.50% · 4.625%
HK$81,215
+HK$4,066/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,298/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,112 · Scale 2, in force from 26 Feb 2026)