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$36,510
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,646
−HK$1,154/mo
Today · 4.125%
HK$38,800
baseline
▲ 0.50% · 4.625%
HK$41,161
+HK$2,361/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,600/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,617
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,707
−HK$1,105/mo
Today · 4.125%
HK$42,812
baseline
▲ 0.50% · 4.625%
HK$45,068
+HK$2,256/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,624/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,812
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,175
−HK$1,385/mo
Today · 4.125%
HK$46,560
baseline
▲ 0.50% · 4.625%
HK$49,393
+HK$2,833/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$93,120/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,741
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,048
−HK$1,326/mo
Today · 4.125%
HK$51,374
baseline
▲ 0.50% · 4.625%
HK$54,082
+HK$2,708/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$102,748/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,114
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,704
−HK$1,616/mo
Today · 4.125%
HK$54,320
baseline
▲ 0.50% · 4.625%
HK$57,625
+HK$3,305/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,640/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,864
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,389
−HK$1,547/mo
Today · 4.125%
HK$59,936
baseline
▲ 0.50% · 4.625%
HK$63,096
+HK$3,160/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,872/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,718
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,763
−HK$2,077/mo
Today · 4.125%
HK$69,840
baseline
▲ 0.50% · 4.625%
HK$74,089
+HK$4,249/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,680/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,111
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,072
−HK$1,989/mo
Today · 4.125%
HK$77,061
baseline
▲ 0.50% · 4.625%
HK$81,123
+HK$4,062/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,122/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,430 · Scale 2, in force from 26 Feb 2026)