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$2,298/mo
▼ 0.25% · 3.875%
HK$37,793
−HK$1,158/mo
Today · 4.125%
HK$38,951
baseline
▲ 0.50% · 4.625%
HK$41,321
+HK$2,370/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,902/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,776
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,869
−HK$1,110/mo
Today · 4.125%
HK$42,979
baseline
▲ 0.50% · 4.625%
HK$45,244
+HK$2,265/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$602,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,983
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,351
−HK$1,390/mo
Today · 4.125%
HK$46,741
baseline
▲ 0.50% · 4.625%
HK$49,585
+HK$2,844/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,482/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,931
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,243
−HK$1,331/mo
Today · 4.125%
HK$51,574
baseline
▲ 0.50% · 4.625%
HK$54,293
+HK$2,719/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,148/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,314
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,910
−HK$1,622/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$5.42M (deposit + AVD stamp duty HK$602,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,086
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,617
−HK$1,553/mo
Today · 4.125%
HK$60,170
baseline
▲ 0.50% · 4.625%
HK$63,342
+HK$3,172/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,340/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,975
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,027
−HK$2,085/mo
Today · 4.125%
HK$70,112
baseline
▲ 0.50% · 4.625%
HK$74,378
+HK$4,266/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,224/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,396
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,365
−HK$1,997/mo
Today · 4.125%
HK$77,362
baseline
▲ 0.50% · 4.625%
HK$81,440
+HK$4,078/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,724/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,773 · Scale 2, in force from 26 Feb 2026)