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$36,509
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,645
−HK$1,154/mo
Today · 4.125%
HK$38,799
baseline
▲ 0.50% · 4.625%
HK$41,160
+HK$2,361/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,598/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,616
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,706
−HK$1,105/mo
Today · 4.125%
HK$42,811
baseline
▲ 0.50% · 4.625%
HK$45,067
+HK$2,256/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,622/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,811
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,174
−HK$1,385/mo
Today · 4.125%
HK$46,559
baseline
▲ 0.50% · 4.625%
HK$49,392
+HK$2,833/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$93,118/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,740
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,047
−HK$1,326/mo
Today · 4.125%
HK$51,373
baseline
▲ 0.50% · 4.625%
HK$54,081
+HK$2,708/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$102,746/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$600,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,113
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,703
−HK$1,616/mo
Today · 4.125%
HK$54,319
baseline
▲ 0.50% · 4.625%
HK$57,624
+HK$3,305/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,638/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,863
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,388
−HK$1,547/mo
Today · 4.125%
HK$59,935
baseline
▲ 0.50% · 4.625%
HK$63,094
+HK$3,159/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,870/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,717
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,761
−HK$2,077/mo
Today · 4.125%
HK$69,838
baseline
▲ 0.50% · 4.625%
HK$74,088
+HK$4,250/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,676/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,110
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,070
−HK$1,989/mo
Today · 4.125%
HK$77,059
baseline
▲ 0.50% · 4.625%
HK$81,121
+HK$4,062/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,118/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,418 · Scale 2, in force from 26 Feb 2026)