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$36,606
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,745
−HK$1,157/mo
Today · 4.125%
HK$38,902
baseline
▲ 0.50% · 4.625%
HK$41,269
+HK$2,367/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,804/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,724
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,816
−HK$1,108/mo
Today · 4.125%
HK$42,924
baseline
▲ 0.50% · 4.625%
HK$45,187
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,848/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,928
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,294
−HK$1,388/mo
Today · 4.125%
HK$46,682
baseline
▲ 0.50% · 4.625%
HK$49,523
+HK$2,841/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,364/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$602,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,869
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,180
−HK$1,329/mo
Today · 4.125%
HK$51,509
baseline
▲ 0.50% · 4.625%
HK$54,224
+HK$2,715/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,018/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$602,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,249
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,843
−HK$1,620/mo
Today · 4.125%
HK$54,463
baseline
▲ 0.50% · 4.625%
HK$57,777
+HK$3,314/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,926/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,014
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,543
−HK$1,551/mo
Today · 4.125%
HK$60,094
baseline
▲ 0.50% · 4.625%
HK$63,262
+HK$3,168/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,188/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,892
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,941
−HK$2,083/mo
Today · 4.125%
HK$70,024
baseline
▲ 0.50% · 4.625%
HK$74,284
+HK$4,260/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,048/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,304
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,270
−HK$1,994/mo
Today · 4.125%
HK$77,264
baseline
▲ 0.50% · 4.625%
HK$81,337
+HK$4,073/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,528/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,012 · Scale 2, in force from 26 Feb 2026)