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$36,675
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,816
−HK$1,159/mo
Today · 4.125%
HK$38,975
baseline
▲ 0.50% · 4.625%
HK$41,346
+HK$2,371/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,950/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,800
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,895
−HK$1,110/mo
Today · 4.125%
HK$43,005
baseline
▲ 0.50% · 4.625%
HK$45,271
+HK$2,266/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,010/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,010
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,379
−HK$1,391/mo
Today · 4.125%
HK$46,770
baseline
▲ 0.50% · 4.625%
HK$49,615
+HK$2,845/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,540/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,960
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,273
−HK$1,333/mo
Today · 4.125%
HK$51,606
baseline
▲ 0.50% · 4.625%
HK$54,326
+HK$2,720/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,212/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,345
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,942
−HK$1,622/mo
Today · 4.125%
HK$54,564
baseline
▲ 0.50% · 4.625%
HK$57,885
+HK$3,321/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,128/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,120
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,652
−HK$1,555/mo
Today · 4.125%
HK$60,207
baseline
▲ 0.50% · 4.625%
HK$63,380
+HK$3,173/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,414/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,015
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,068
−HK$2,086/mo
Today · 4.125%
HK$70,154
baseline
▲ 0.50% · 4.625%
HK$74,423
+HK$4,269/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,308/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,441
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,410
−HK$1,998/mo
Today · 4.125%
HK$77,408
baseline
▲ 0.50% · 4.625%
HK$81,489
+HK$4,081/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,816/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,136 · Scale 2, in force from 26 Feb 2026)