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$36,511
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,646
−HK$1,154/mo
Today · 4.125%
HK$38,800
baseline
▲ 0.50% · 4.625%
HK$41,161
+HK$2,361/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,600/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,618
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,707
−HK$1,105/mo
Today · 4.125%
HK$42,812
baseline
▲ 0.50% · 4.625%
HK$45,069
+HK$2,257/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,624/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,813
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,176
−HK$1,384/mo
Today · 4.125%
HK$46,560
baseline
▲ 0.50% · 4.625%
HK$49,393
+HK$2,833/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$93,120/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,741
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,049
−HK$1,326/mo
Today · 4.125%
HK$51,375
baseline
▲ 0.50% · 4.625%
HK$54,083
+HK$2,708/mo
Deposit HK$6.40M · loan HK$9.61M · min. income ≈ HK$102,750/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,115
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,705
−HK$1,615/mo
Today · 4.125%
HK$54,320
baseline
▲ 0.50% · 4.625%
HK$57,626
+HK$3,306/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,640/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,865
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,390
−HK$1,547/mo
Today · 4.125%
HK$59,937
baseline
▲ 0.50% · 4.625%
HK$63,097
+HK$3,160/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,874/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,719
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,764
−HK$2,077/mo
Today · 4.125%
HK$69,841
baseline
▲ 0.50% · 4.625%
HK$74,090
+HK$4,249/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,682/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,112
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,073
−HK$1,989/mo
Today · 4.125%
HK$77,062
baseline
▲ 0.50% · 4.625%
HK$81,124
+HK$4,062/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,124/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,439 · Scale 2, in force from 26 Feb 2026)