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$36,553
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,690
−HK$1,155/mo
Today · 4.125%
HK$38,845
baseline
▲ 0.50% · 4.625%
HK$41,208
+HK$2,363/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,690/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,665
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,755
−HK$1,106/mo
Today · 4.125%
HK$42,861
baseline
▲ 0.50% · 4.625%
HK$45,121
+HK$2,260/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,722/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,863
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,228
−HK$1,386/mo
Today · 4.125%
HK$46,614
baseline
▲ 0.50% · 4.625%
HK$49,450
+HK$2,836/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,228/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,797
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,106
−HK$1,328/mo
Today · 4.125%
HK$51,434
baseline
▲ 0.50% · 4.625%
HK$54,145
+HK$2,711/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,868/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,174
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,766
−HK$1,617/mo
Today · 4.125%
HK$54,383
baseline
▲ 0.50% · 4.625%
HK$57,692
+HK$3,309/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,766/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,930
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,457
−HK$1,549/mo
Today · 4.125%
HK$60,006
baseline
▲ 0.50% · 4.625%
HK$63,169
+HK$3,163/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$120,012/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,795
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,841
−HK$2,080/mo
Today · 4.125%
HK$69,921
baseline
▲ 0.50% · 4.625%
HK$74,175
+HK$4,254/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,842/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,196
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,159
−HK$1,992/mo
Today · 4.125%
HK$77,151
baseline
▲ 0.50% · 4.625%
HK$81,217
+HK$4,066/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,302/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,128 · Scale 2, in force from 26 Feb 2026)