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$36,639
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,778
−HK$1,158/mo
Today · 4.125%
HK$38,936
baseline
▲ 0.50% · 4.625%
HK$41,305
+HK$2,369/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,872/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,760
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,853
−HK$1,109/mo
Today · 4.125%
HK$42,962
baseline
▲ 0.50% · 4.625%
HK$45,227
+HK$2,265/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,924/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,966
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,334
−HK$1,389/mo
Today · 4.125%
HK$46,723
baseline
▲ 0.50% · 4.625%
HK$49,566
+HK$2,843/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,446/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,912
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,224
−HK$1,331/mo
Today · 4.125%
HK$51,555
baseline
▲ 0.50% · 4.625%
HK$54,272
+HK$2,717/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,110/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,294
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,890
−HK$1,621/mo
Today · 4.125%
HK$54,511
baseline
▲ 0.50% · 4.625%
HK$57,827
+HK$3,316/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,022/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,064
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,595
−HK$1,552/mo
Today · 4.125%
HK$60,147
baseline
▲ 0.50% · 4.625%
HK$63,318
+HK$3,171/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,294/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,950
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$68,001
−HK$2,084/mo
Today · 4.125%
HK$70,085
baseline
▲ 0.50% · 4.625%
HK$74,350
+HK$4,265/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,170/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,368
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,336
−HK$1,996/mo
Today · 4.125%
HK$77,332
baseline
▲ 0.50% · 4.625%
HK$81,408
+HK$4,076/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,664/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,542 · Scale 2, in force from 26 Feb 2026)