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$36,611
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,750
−HK$1,157/mo
Today · 4.125%
HK$38,907
baseline
▲ 0.50% · 4.625%
HK$41,274
+HK$2,367/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,814/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,729
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,821
−HK$1,109/mo
Today · 4.125%
HK$42,930
baseline
▲ 0.50% · 4.625%
HK$45,193
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,860/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,933
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,300
−HK$1,388/mo
Today · 4.125%
HK$46,688
baseline
▲ 0.50% · 4.625%
HK$49,529
+HK$2,841/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,376/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$602,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,875
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,186
−HK$1,330/mo
Today · 4.125%
HK$51,516
baseline
▲ 0.50% · 4.625%
HK$54,231
+HK$2,715/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,032/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$602,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,255
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,849
−HK$1,620/mo
Today · 4.125%
HK$54,469
baseline
▲ 0.50% · 4.625%
HK$57,784
+HK$3,315/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,938/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,021
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,550
−HK$1,551/mo
Today · 4.125%
HK$60,101
baseline
▲ 0.50% · 4.625%
HK$63,270
+HK$3,169/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,202/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,899
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,949
−HK$2,083/mo
Today · 4.125%
HK$70,032
baseline
▲ 0.50% · 4.625%
HK$74,293
+HK$4,261/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,064/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,312
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,279
−HK$1,994/mo
Today · 4.125%
HK$77,273
baseline
▲ 0.50% · 4.625%
HK$81,347
+HK$4,074/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,546/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,084 · Scale 2, in force from 26 Feb 2026)