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$36,522
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,658
−HK$1,154/mo
Today · 4.125%
HK$38,812
baseline
▲ 0.50% · 4.625%
HK$41,174
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,624/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,630
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,720
−HK$1,105/mo
Today · 4.125%
HK$42,825
baseline
▲ 0.50% · 4.625%
HK$45,083
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,650/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,826
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,190
−HK$1,385/mo
Today · 4.125%
HK$46,575
baseline
▲ 0.50% · 4.625%
HK$49,409
+HK$2,834/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,150/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,756
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,064
−HK$1,326/mo
Today · 4.125%
HK$51,390
baseline
▲ 0.50% · 4.625%
HK$54,099
+HK$2,709/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,780/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,131
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,721
−HK$1,616/mo
Today · 4.125%
HK$54,337
baseline
▲ 0.50% · 4.625%
HK$57,643
+HK$3,306/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,674/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,882
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,408
−HK$1,548/mo
Today · 4.125%
HK$59,956
baseline
▲ 0.50% · 4.625%
HK$63,116
+HK$3,160/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,912/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,739
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,784
−HK$2,078/mo
Today · 4.125%
HK$69,862
baseline
▲ 0.50% · 4.625%
HK$74,113
+HK$4,251/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,724/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,134
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,096
−HK$1,990/mo
Today · 4.125%
HK$77,086
baseline
▲ 0.50% · 4.625%
HK$81,149
+HK$4,063/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,172/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,622 · Scale 2, in force from 26 Feb 2026)