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$36,681
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,822
−HK$1,159/mo
Today · 4.125%
HK$38,981
baseline
▲ 0.50% · 4.625%
HK$41,353
+HK$2,372/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,962/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,807
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,901
−HK$1,111/mo
Today · 4.125%
HK$43,012
baseline
▲ 0.50% · 4.625%
HK$45,279
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,024/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,017
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,386
−HK$1,391/mo
Today · 4.125%
HK$46,777
baseline
▲ 0.50% · 4.625%
HK$49,623
+HK$2,846/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,554/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,968
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,282
−HK$1,332/mo
Today · 4.125%
HK$51,614
baseline
▲ 0.50% · 4.625%
HK$54,335
+HK$2,721/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,228/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,353
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,950
−HK$1,623/mo
Today · 4.125%
HK$54,573
baseline
▲ 0.50% · 4.625%
HK$57,894
+HK$3,321/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,146/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,130
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,662
−HK$1,554/mo
Today · 4.125%
HK$60,216
baseline
▲ 0.50% · 4.625%
HK$63,390
+HK$3,174/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,432/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,025
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,079
−HK$2,087/mo
Today · 4.125%
HK$70,166
baseline
▲ 0.50% · 4.625%
HK$74,435
+HK$4,269/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,332/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,453
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,423
−HK$1,998/mo
Today · 4.125%
HK$77,421
baseline
▲ 0.50% · 4.625%
HK$81,502
+HK$4,081/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,842/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,235 · Scale 2, in force from 26 Feb 2026)