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$36,651
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,791
−HK$1,159/mo
Today · 4.125%
HK$38,950
baseline
▲ 0.50% · 4.625%
HK$41,320
+HK$2,370/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,900/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,774
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,868
−HK$1,109/mo
Today · 4.125%
HK$42,977
baseline
▲ 0.50% · 4.625%
HK$45,242
+HK$2,265/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,954/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,981
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,350
−HK$1,389/mo
Today · 4.125%
HK$46,739
baseline
▲ 0.50% · 4.625%
HK$49,583
+HK$2,844/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,478/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,929
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,241
−HK$1,331/mo
Today · 4.125%
HK$51,572
baseline
▲ 0.50% · 4.625%
HK$54,291
+HK$2,719/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,144/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,312
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,908
−HK$1,621/mo
Today · 4.125%
HK$54,529
baseline
▲ 0.50% · 4.625%
HK$57,847
+HK$3,318/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,058/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,084
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,615
−HK$1,553/mo
Today · 4.125%
HK$60,168
baseline
▲ 0.50% · 4.625%
HK$63,339
+HK$3,171/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,336/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,972
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,024
−HK$2,085/mo
Today · 4.125%
HK$70,109
baseline
▲ 0.50% · 4.625%
HK$74,375
+HK$4,266/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,218/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,393
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,362
−HK$1,997/mo
Today · 4.125%
HK$77,359
baseline
▲ 0.50% · 4.625%
HK$81,436
+HK$4,077/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,718/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,749 · Scale 2, in force from 26 Feb 2026)