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$36,634
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,773
−HK$1,158/mo
Today · 4.125%
HK$38,931
baseline
▲ 0.50% · 4.625%
HK$41,300
+HK$2,369/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,862/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,754
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,847
−HK$1,109/mo
Today · 4.125%
HK$42,956
baseline
▲ 0.50% · 4.625%
HK$45,221
+HK$2,265/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,912/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,960
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,328
−HK$1,389/mo
Today · 4.125%
HK$46,717
baseline
▲ 0.50% · 4.625%
HK$49,560
+HK$2,843/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,434/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,905
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,217
−HK$1,331/mo
Today · 4.125%
HK$51,548
baseline
▲ 0.50% · 4.625%
HK$54,265
+HK$2,717/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,096/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,287
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,882
−HK$1,621/mo
Today · 4.125%
HK$54,503
baseline
▲ 0.50% · 4.625%
HK$57,820
+HK$3,317/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,006/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,056
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,586
−HK$1,553/mo
Today · 4.125%
HK$60,139
baseline
▲ 0.50% · 4.625%
HK$63,309
+HK$3,170/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,278/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,940
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,992
−HK$2,083/mo
Today · 4.125%
HK$70,075
baseline
▲ 0.50% · 4.625%
HK$74,339
+HK$4,264/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,150/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,358
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,325
−HK$1,996/mo
Today · 4.125%
HK$77,321
baseline
▲ 0.50% · 4.625%
HK$81,397
+HK$4,076/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,642/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,459 · Scale 2, in force from 26 Feb 2026)