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$36,665
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,806
−HK$1,158/mo
Today · 4.125%
HK$38,964
baseline
▲ 0.50% · 4.625%
HK$41,335
+HK$2,371/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,928/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,790
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,884
−HK$1,109/mo
Today · 4.125%
HK$42,993
baseline
▲ 0.50% · 4.625%
HK$45,260
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,986/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,998
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,367
−HK$1,390/mo
Today · 4.125%
HK$46,757
baseline
▲ 0.50% · 4.625%
HK$49,602
+HK$2,845/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,514/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,948
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,260
−HK$1,332/mo
Today · 4.125%
HK$51,592
baseline
▲ 0.50% · 4.625%
HK$54,312
+HK$2,720/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,184/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,331
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,928
−HK$1,622/mo
Today · 4.125%
HK$54,550
baseline
▲ 0.50% · 4.625%
HK$57,869
+HK$3,319/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$109,100/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,106
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,637
−HK$1,554/mo
Today · 4.125%
HK$60,191
baseline
▲ 0.50% · 4.625%
HK$63,363
+HK$3,172/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$120,382/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,997
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,050
−HK$2,086/mo
Today · 4.125%
HK$70,136
baseline
▲ 0.50% · 4.625%
HK$74,404
+HK$4,268/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,272/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,421
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,390
−HK$1,998/mo
Today · 4.125%
HK$77,388
baseline
▲ 0.50% · 4.625%
HK$81,467
+HK$4,079/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,776/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,978 · Scale 2, in force from 26 Feb 2026)