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$36,589
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,727
−HK$1,156/mo
Today · 4.125%
HK$38,883
baseline
▲ 0.50% · 4.625%
HK$41,249
+HK$2,366/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,766/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,704
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,796
−HK$1,108/mo
Today · 4.125%
HK$42,904
baseline
▲ 0.50% · 4.625%
HK$45,165
+HK$2,261/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,808/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,906
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,272
−HK$1,388/mo
Today · 4.125%
HK$46,660
baseline
▲ 0.50% · 4.625%
HK$49,499
+HK$2,839/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,320/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,845
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,155
−HK$1,329/mo
Today · 4.125%
HK$51,484
baseline
▲ 0.50% · 4.625%
HK$54,198
+HK$2,714/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,968/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,224
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,817
−HK$1,619/mo
Today · 4.125%
HK$54,436
baseline
▲ 0.50% · 4.625%
HK$57,749
+HK$3,313/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,872/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,986
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,515
−HK$1,550/mo
Today · 4.125%
HK$60,065
baseline
▲ 0.50% · 4.625%
HK$63,231
+HK$3,166/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,130/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,859
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,908
−HK$2,081/mo
Today · 4.125%
HK$69,989
baseline
▲ 0.50% · 4.625%
HK$74,248
+HK$4,259/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,978/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,268
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,233
−HK$1,993/mo
Today · 4.125%
HK$77,226
baseline
▲ 0.50% · 4.625%
HK$81,297
+HK$4,071/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,452/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,719 · Scale 2, in force from 26 Feb 2026)