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$36,530
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,666
−HK$1,154/mo
Today · 4.125%
HK$38,820
baseline
▲ 0.50% · 4.625%
HK$41,183
+HK$2,363/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,640/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,639
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,729
−HK$1,105/mo
Today · 4.125%
HK$42,834
baseline
▲ 0.50% · 4.625%
HK$45,092
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,668/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,836
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,199
−HK$1,385/mo
Today · 4.125%
HK$46,584
baseline
▲ 0.50% · 4.625%
HK$49,419
+HK$2,835/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,168/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,767
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,075
−HK$1,326/mo
Today · 4.125%
HK$51,401
baseline
▲ 0.50% · 4.625%
HK$54,111
+HK$2,710/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,802/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,142
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,732
−HK$1,617/mo
Today · 4.125%
HK$54,349
baseline
▲ 0.50% · 4.625%
HK$57,656
+HK$3,307/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$108,698/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,894
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,420
−HK$1,548/mo
Today · 4.125%
HK$59,968
baseline
▲ 0.50% · 4.625%
HK$63,129
+HK$3,161/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$119,936/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,753
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,799
−HK$2,078/mo
Today · 4.125%
HK$69,877
baseline
▲ 0.50% · 4.625%
HK$74,129
+HK$4,252/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,754/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,150
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,112
−HK$1,990/mo
Today · 4.125%
HK$77,102
baseline
▲ 0.50% · 4.625%
HK$81,166
+HK$4,064/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,204/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,750 · Scale 2, in force from 26 Feb 2026)