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$36,599
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,738
−HK$1,156/mo
Today · 4.125%
HK$38,894
baseline
▲ 0.50% · 4.625%
HK$41,261
+HK$2,367/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,788/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,716
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,808
−HK$1,108/mo
Today · 4.125%
HK$42,916
baseline
▲ 0.50% · 4.625%
HK$45,178
+HK$2,262/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,832/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,919
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,285
−HK$1,388/mo
Today · 4.125%
HK$46,673
baseline
▲ 0.50% · 4.625%
HK$49,513
+HK$2,840/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,346/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,860
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,170
−HK$1,329/mo
Today · 4.125%
HK$51,499
baseline
▲ 0.50% · 4.625%
HK$54,214
+HK$2,715/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,998/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,239
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,833
−HK$1,619/mo
Today · 4.125%
HK$54,452
baseline
▲ 0.50% · 4.625%
HK$57,766
+HK$3,314/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,904/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,003
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,532
−HK$1,551/mo
Today · 4.125%
HK$60,083
baseline
▲ 0.50% · 4.625%
HK$63,250
+HK$3,167/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,166/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,879
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,928
−HK$2,082/mo
Today · 4.125%
HK$70,010
baseline
▲ 0.50% · 4.625%
HK$74,270
+HK$4,260/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,020/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,290
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,255
−HK$1,994/mo
Today · 4.125%
HK$77,249
baseline
▲ 0.50% · 4.625%
HK$81,321
+HK$4,072/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,498/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,896 · Scale 2, in force from 26 Feb 2026)