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$36,653
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,793
−HK$1,159/mo
Today · 4.125%
HK$38,952
baseline
▲ 0.50% · 4.625%
HK$41,322
+HK$2,370/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,904/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,776
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,870
−HK$1,109/mo
Today · 4.125%
HK$42,979
baseline
▲ 0.50% · 4.625%
HK$45,245
+HK$2,266/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,958/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,984
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,352
−HK$1,390/mo
Today · 4.125%
HK$46,742
baseline
▲ 0.50% · 4.625%
HK$49,586
+HK$2,844/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,484/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,932
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,244
−HK$1,331/mo
Today · 4.125%
HK$51,575
baseline
▲ 0.50% · 4.625%
HK$54,294
+HK$2,719/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,150/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,314
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,911
−HK$1,621/mo
Today · 4.125%
HK$54,532
baseline
▲ 0.50% · 4.625%
HK$57,850
+HK$3,318/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,064/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,087
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,618
−HK$1,553/mo
Today · 4.125%
HK$60,171
baseline
▲ 0.50% · 4.625%
HK$63,343
+HK$3,172/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,342/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,976
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,028
−HK$2,085/mo
Today · 4.125%
HK$70,113
baseline
▲ 0.50% · 4.625%
HK$74,379
+HK$4,266/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,226/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,397
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,366
−HK$1,997/mo
Today · 4.125%
HK$77,363
baseline
▲ 0.50% · 4.625%
HK$81,441
+HK$4,078/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,726/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,781 · Scale 2, in force from 26 Feb 2026)