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$36,517
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,653
−HK$1,154/mo
Today · 4.125%
HK$38,807
baseline
▲ 0.50% · 4.625%
HK$41,168
+HK$2,361/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,614/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,625
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,714
−HK$1,106/mo
Today · 4.125%
HK$42,820
baseline
▲ 0.50% · 4.625%
HK$45,077
+HK$2,257/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,640/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,821
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,184
−HK$1,385/mo
Today · 4.125%
HK$46,569
baseline
▲ 0.50% · 4.625%
HK$49,402
+HK$2,833/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,138/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,750
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,057
−HK$1,327/mo
Today · 4.125%
HK$51,384
baseline
▲ 0.50% · 4.625%
HK$54,092
+HK$2,708/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,768/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,124
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,714
−HK$1,616/mo
Today · 4.125%
HK$54,330
baseline
▲ 0.50% · 4.625%
HK$57,636
+HK$3,306/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,660/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,875
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,400
−HK$1,548/mo
Today · 4.125%
HK$59,948
baseline
▲ 0.50% · 4.625%
HK$63,108
+HK$3,160/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,896/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,731
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,775
−HK$2,078/mo
Today · 4.125%
HK$69,853
baseline
▲ 0.50% · 4.625%
HK$74,103
+HK$4,250/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,706/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,125
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,086
−HK$1,990/mo
Today · 4.125%
HK$77,076
baseline
▲ 0.50% · 4.625%
HK$81,138
+HK$4,062/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,152/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,544 · Scale 2, in force from 26 Feb 2026)