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$36,558
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,695
−HK$1,155/mo
Today · 4.125%
HK$38,850
baseline
▲ 0.50% · 4.625%
HK$41,214
+HK$2,364/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,700/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,670
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,761
−HK$1,107/mo
Today · 4.125%
HK$42,868
baseline
▲ 0.50% · 4.625%
HK$45,127
+HK$2,259/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,736/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,869
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,234
−HK$1,386/mo
Today · 4.125%
HK$46,620
baseline
▲ 0.50% · 4.625%
HK$49,457
+HK$2,837/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,240/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,804
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,113
−HK$1,328/mo
Today · 4.125%
HK$51,441
baseline
▲ 0.50% · 4.625%
HK$54,153
+HK$2,712/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,882/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,181
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,773
−HK$1,618/mo
Today · 4.125%
HK$54,391
baseline
▲ 0.50% · 4.625%
HK$57,700
+HK$3,309/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,782/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,938
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,465
−HK$1,550/mo
Today · 4.125%
HK$60,015
baseline
▲ 0.50% · 4.625%
HK$63,178
+HK$3,163/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$120,030/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,804
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,851
−HK$2,080/mo
Today · 4.125%
HK$69,931
baseline
▲ 0.50% · 4.625%
HK$74,186
+HK$4,255/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,862/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,207
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,170
−HK$1,992/mo
Today · 4.125%
HK$77,162
baseline
▲ 0.50% · 4.625%
HK$81,229
+HK$4,067/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,324/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,214 · Scale 2, in force from 26 Feb 2026)