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$36,561
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,698
−HK$1,155/mo
Today · 4.125%
HK$38,853
baseline
▲ 0.50% · 4.625%
HK$41,217
+HK$2,364/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,706/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,673
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,764
−HK$1,107/mo
Today · 4.125%
HK$42,871
baseline
▲ 0.50% · 4.625%
HK$45,131
+HK$2,260/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,742/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,873
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,237
−HK$1,387/mo
Today · 4.125%
HK$46,624
baseline
▲ 0.50% · 4.625%
HK$49,461
+HK$2,837/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,248/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,808
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,117
−HK$1,328/mo
Today · 4.125%
HK$51,445
baseline
▲ 0.50% · 4.625%
HK$54,157
+HK$2,712/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,890/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,185
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,777
−HK$1,618/mo
Today · 4.125%
HK$54,395
baseline
▲ 0.50% · 4.625%
HK$57,704
+HK$3,309/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,790/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,943
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,470
−HK$1,549/mo
Today · 4.125%
HK$60,019
baseline
▲ 0.50% · 4.625%
HK$63,183
+HK$3,164/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$120,038/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,809
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,856
−HK$2,080/mo
Today · 4.125%
HK$69,936
baseline
▲ 0.50% · 4.625%
HK$74,191
+HK$4,255/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,872/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,212
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,176
−HK$1,991/mo
Today · 4.125%
HK$77,167
baseline
▲ 0.50% · 4.625%
HK$81,235
+HK$4,068/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,334/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,260 · Scale 2, in force from 26 Feb 2026)