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$36,571
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,709
−HK$1,156/mo
Today · 4.125%
HK$38,865
baseline
▲ 0.50% · 4.625%
HK$41,229
+HK$2,364/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,730/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,685
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,776
−HK$1,107/mo
Today · 4.125%
HK$42,883
baseline
▲ 0.50% · 4.625%
HK$45,144
+HK$2,261/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,766/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,885
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,251
−HK$1,386/mo
Today · 4.125%
HK$46,637
baseline
▲ 0.50% · 4.625%
HK$49,475
+HK$2,838/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$93,274/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,822
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,131
−HK$1,329/mo
Today · 4.125%
HK$51,460
baseline
▲ 0.50% · 4.625%
HK$54,172
+HK$2,712/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$102,920/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,200
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,792
−HK$1,618/mo
Today · 4.125%
HK$54,410
baseline
▲ 0.50% · 4.625%
HK$57,721
+HK$3,311/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,820/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,959
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,487
−HK$1,549/mo
Today · 4.125%
HK$60,036
baseline
▲ 0.50% · 4.625%
HK$63,201
+HK$3,165/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,072/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,828
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,876
−HK$2,080/mo
Today · 4.125%
HK$69,956
baseline
▲ 0.50% · 4.625%
HK$74,213
+HK$4,257/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,912/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,233
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,197
−HK$1,993/mo
Today · 4.125%
HK$77,190
baseline
▲ 0.50% · 4.625%
HK$81,259
+HK$4,069/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,380/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,433 · Scale 2, in force from 26 Feb 2026)