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$36,681
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,822
−HK$1,160/mo
Today · 4.125%
HK$38,982
baseline
▲ 0.50% · 4.625%
HK$41,354
+HK$2,372/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,964/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,808
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,902
−HK$1,110/mo
Today · 4.125%
HK$43,012
baseline
▲ 0.50% · 4.625%
HK$45,280
+HK$2,268/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,024/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,018
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,387
−HK$1,391/mo
Today · 4.125%
HK$46,778
baseline
▲ 0.50% · 4.625%
HK$49,624
+HK$2,846/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,556/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,969
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,283
−HK$1,332/mo
Today · 4.125%
HK$51,615
baseline
▲ 0.50% · 4.625%
HK$54,336
+HK$2,721/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,230/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,354
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,951
−HK$1,623/mo
Today · 4.125%
HK$54,574
baseline
▲ 0.50% · 4.625%
HK$57,895
+HK$3,321/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,148/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,131
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,663
−HK$1,554/mo
Today · 4.125%
HK$60,217
baseline
▲ 0.50% · 4.625%
HK$63,392
+HK$3,175/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,434/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,027
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,080
−HK$2,087/mo
Today · 4.125%
HK$70,167
baseline
▲ 0.50% · 4.625%
HK$74,436
+HK$4,269/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,334/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,454
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,424
−HK$1,998/mo
Today · 4.125%
HK$77,422
baseline
▲ 0.50% · 4.625%
HK$81,503
+HK$4,081/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,844/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,245 · Scale 2, in force from 26 Feb 2026)