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$36,545
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,682
−HK$1,155/mo
Today · 4.125%
HK$38,837
baseline
▲ 0.50% · 4.625%
HK$41,200
+HK$2,363/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,674/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$601,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,656
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,747
−HK$1,106/mo
Today · 4.125%
HK$42,853
baseline
▲ 0.50% · 4.625%
HK$45,112
+HK$2,259/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,706/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$601,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,855
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,219
−HK$1,386/mo
Today · 4.125%
HK$46,605
baseline
▲ 0.50% · 4.625%
HK$49,440
+HK$2,835/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,210/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,788
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,096
−HK$1,328/mo
Today · 4.125%
HK$51,424
baseline
▲ 0.50% · 4.625%
HK$54,134
+HK$2,710/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,848/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,164
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,755
−HK$1,617/mo
Today · 4.125%
HK$54,372
baseline
▲ 0.50% · 4.625%
HK$57,680
+HK$3,308/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,744/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,919
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,446
−HK$1,548/mo
Today · 4.125%
HK$59,994
baseline
▲ 0.50% · 4.625%
HK$63,157
+HK$3,163/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,988/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,782
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,828
−HK$2,079/mo
Today · 4.125%
HK$69,907
baseline
▲ 0.50% · 4.625%
HK$74,161
+HK$4,254/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,814/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,182
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,144
−HK$1,991/mo
Today · 4.125%
HK$77,135
baseline
▲ 0.50% · 4.625%
HK$81,201
+HK$4,066/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,270/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,010 · Scale 2, in force from 26 Feb 2026)