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$36,568
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,705
−HK$1,156/mo
Today · 4.125%
HK$38,861
baseline
▲ 0.50% · 4.625%
HK$41,225
+HK$2,364/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,722/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,681
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,772
−HK$1,107/mo
Today · 4.125%
HK$42,879
baseline
▲ 0.50% · 4.625%
HK$45,139
+HK$2,260/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,758/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,881
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,246
−HK$1,387/mo
Today · 4.125%
HK$46,633
baseline
▲ 0.50% · 4.625%
HK$49,470
+HK$2,837/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,266/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,817
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,127
−HK$1,328/mo
Today · 4.125%
HK$51,455
baseline
▲ 0.50% · 4.625%
HK$54,167
+HK$2,712/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,910/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,195
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,787
−HK$1,618/mo
Today · 4.125%
HK$54,405
baseline
▲ 0.50% · 4.625%
HK$57,715
+HK$3,310/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,810/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,954
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,481
−HK$1,550/mo
Today · 4.125%
HK$60,031
baseline
▲ 0.50% · 4.625%
HK$63,195
+HK$3,164/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,062/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,822
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,869
−HK$2,080/mo
Today · 4.125%
HK$69,949
baseline
▲ 0.50% · 4.625%
HK$74,206
+HK$4,257/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,898/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,226
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,190
−HK$1,992/mo
Today · 4.125%
HK$77,182
baseline
▲ 0.50% · 4.625%
HK$81,250
+HK$4,068/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,364/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,373 · Scale 2, in force from 26 Feb 2026)