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$36,538
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,675
−HK$1,155/mo
Today · 4.125%
HK$38,830
baseline
▲ 0.50% · 4.625%
HK$41,192
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,660/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,649
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,739
−HK$1,106/mo
Today · 4.125%
HK$42,845
baseline
▲ 0.50% · 4.625%
HK$45,103
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,690/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,846
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,210
−HK$1,386/mo
Today · 4.125%
HK$46,596
baseline
▲ 0.50% · 4.625%
HK$49,431
+HK$2,835/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,192/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,778
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,087
−HK$1,327/mo
Today · 4.125%
HK$51,414
baseline
▲ 0.50% · 4.625%
HK$54,124
+HK$2,710/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,828/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,154
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,745
−HK$1,617/mo
Today · 4.125%
HK$54,362
baseline
▲ 0.50% · 4.625%
HK$57,669
+HK$3,307/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,724/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,908
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,434
−HK$1,549/mo
Today · 4.125%
HK$59,983
baseline
▲ 0.50% · 4.625%
HK$63,144
+HK$3,161/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,966/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,769
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,815
−HK$2,078/mo
Today · 4.125%
HK$69,893
baseline
▲ 0.50% · 4.625%
HK$74,146
+HK$4,253/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,786/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,167
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,130
−HK$1,991/mo
Today · 4.125%
HK$77,121
baseline
▲ 0.50% · 4.625%
HK$81,186
+HK$4,065/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,242/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,894 · Scale 2, in force from 26 Feb 2026)