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$36,617
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,756
−HK$1,158/mo
Today · 4.125%
HK$38,914
baseline
▲ 0.50% · 4.625%
HK$41,281
+HK$2,367/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,828/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,736
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,829
−HK$1,108/mo
Today · 4.125%
HK$42,937
baseline
▲ 0.50% · 4.625%
HK$45,201
+HK$2,264/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,874/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,941
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,308
−HK$1,388/mo
Today · 4.125%
HK$46,696
baseline
▲ 0.50% · 4.625%
HK$49,538
+HK$2,842/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$93,392/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,884
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,195
−HK$1,330/mo
Today · 4.125%
HK$51,525
baseline
▲ 0.50% · 4.625%
HK$54,241
+HK$2,716/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$103,050/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,264
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,859
−HK$1,620/mo
Today · 4.125%
HK$54,479
baseline
▲ 0.50% · 4.625%
HK$57,794
+HK$3,315/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,958/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,031
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,561
−HK$1,551/mo
Today · 4.125%
HK$60,112
baseline
▲ 0.50% · 4.625%
HK$63,281
+HK$3,169/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,224/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,911
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,962
−HK$2,083/mo
Today · 4.125%
HK$70,045
baseline
▲ 0.50% · 4.625%
HK$74,307
+HK$4,262/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,090/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,326
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,292
−HK$1,995/mo
Today · 4.125%
HK$77,287
baseline
▲ 0.50% · 4.625%
HK$81,361
+HK$4,074/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,574/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,193 · Scale 2, in force from 26 Feb 2026)