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$36,634
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,774
−HK$1,157/mo
Today · 4.125%
HK$38,931
baseline
▲ 0.50% · 4.625%
HK$41,300
+HK$2,369/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,862/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,755
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,848
−HK$1,109/mo
Today · 4.125%
HK$42,957
baseline
▲ 0.50% · 4.625%
HK$45,221
+HK$2,264/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,914/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,961
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,328
−HK$1,390/mo
Today · 4.125%
HK$46,718
baseline
▲ 0.50% · 4.625%
HK$49,560
+HK$2,842/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,436/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,906
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,218
−HK$1,330/mo
Today · 4.125%
HK$51,548
baseline
▲ 0.50% · 4.625%
HK$54,266
+HK$2,718/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,096/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,288
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,883
−HK$1,621/mo
Today · 4.125%
HK$54,504
baseline
▲ 0.50% · 4.625%
HK$57,820
+HK$3,316/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,008/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,057
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,587
−HK$1,553/mo
Today · 4.125%
HK$60,140
baseline
▲ 0.50% · 4.625%
HK$63,310
+HK$3,170/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,280/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,941
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,993
−HK$2,083/mo
Today · 4.125%
HK$70,076
baseline
▲ 0.50% · 4.625%
HK$74,340
+HK$4,264/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,152/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,359
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,327
−HK$1,996/mo
Today · 4.125%
HK$77,323
baseline
▲ 0.50% · 4.625%
HK$81,398
+HK$4,075/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,646/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,467 · Scale 2, in force from 26 Feb 2026)