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$36,513
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,649
−HK$1,153/mo
Today · 4.125%
HK$38,802
baseline
▲ 0.50% · 4.625%
HK$41,163
+HK$2,361/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,604/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,620
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,710
−HK$1,105/mo
Today · 4.125%
HK$42,815
baseline
▲ 0.50% · 4.625%
HK$45,071
+HK$2,256/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,630/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,815
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,178
−HK$1,385/mo
Today · 4.125%
HK$46,563
baseline
▲ 0.50% · 4.625%
HK$49,396
+HK$2,833/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,126/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,744
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,051
−HK$1,327/mo
Today · 4.125%
HK$51,378
baseline
▲ 0.50% · 4.625%
HK$54,086
+HK$2,708/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,756/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,118
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,708
−HK$1,615/mo
Today · 4.125%
HK$54,323
baseline
▲ 0.50% · 4.625%
HK$57,629
+HK$3,306/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,646/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,868
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,393
−HK$1,548/mo
Today · 4.125%
HK$59,941
baseline
▲ 0.50% · 4.625%
HK$63,100
+HK$3,159/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,882/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,723
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,767
−HK$2,077/mo
Today · 4.125%
HK$69,844
baseline
▲ 0.50% · 4.625%
HK$74,094
+HK$4,250/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,688/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,116
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,077
−HK$1,989/mo
Today · 4.125%
HK$77,066
baseline
▲ 0.50% · 4.625%
HK$81,129
+HK$4,063/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,132/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,472 · Scale 2, in force from 26 Feb 2026)