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$36,549
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,686
−HK$1,155/mo
Today · 4.125%
HK$38,841
baseline
▲ 0.50% · 4.625%
HK$41,204
+HK$2,363/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,682/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,660
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,750
−HK$1,107/mo
Today · 4.125%
HK$42,857
baseline
▲ 0.50% · 4.625%
HK$45,116
+HK$2,259/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,714/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,858
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,223
−HK$1,386/mo
Today · 4.125%
HK$46,609
baseline
▲ 0.50% · 4.625%
HK$49,445
+HK$2,836/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,218/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,792
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,101
−HK$1,327/mo
Today · 4.125%
HK$51,428
baseline
▲ 0.50% · 4.625%
HK$54,139
+HK$2,711/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,856/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,168
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,760
−HK$1,617/mo
Today · 4.125%
HK$54,377
baseline
▲ 0.50% · 4.625%
HK$57,685
+HK$3,308/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,754/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,924
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,451
−HK$1,548/mo
Today · 4.125%
HK$59,999
baseline
▲ 0.50% · 4.625%
HK$63,162
+HK$3,163/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,998/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,788
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,834
−HK$2,079/mo
Today · 4.125%
HK$69,913
baseline
▲ 0.50% · 4.625%
HK$74,167
+HK$4,254/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,826/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,188
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,151
−HK$1,991/mo
Today · 4.125%
HK$77,142
baseline
▲ 0.50% · 4.625%
HK$81,208
+HK$4,066/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,284/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,062 · Scale 2, in force from 26 Feb 2026)