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$36,616
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,755
−HK$1,158/mo
Today · 4.125%
HK$38,913
baseline
▲ 0.50% · 4.625%
HK$41,280
+HK$2,367/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,826/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,735
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,828
−HK$1,108/mo
Today · 4.125%
HK$42,936
baseline
▲ 0.50% · 4.625%
HK$45,199
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,872/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,940
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,306
−HK$1,389/mo
Today · 4.125%
HK$46,695
baseline
▲ 0.50% · 4.625%
HK$49,536
+HK$2,841/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,390/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,882
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,193
−HK$1,330/mo
Today · 4.125%
HK$51,523
baseline
▲ 0.50% · 4.625%
HK$54,239
+HK$2,716/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,046/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,263
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,858
−HK$1,620/mo
Today · 4.125%
HK$54,478
baseline
▲ 0.50% · 4.625%
HK$57,792
+HK$3,314/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,956/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,030
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,559
−HK$1,552/mo
Today · 4.125%
HK$60,111
baseline
▲ 0.50% · 4.625%
HK$63,279
+HK$3,168/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,222/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,910
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,960
−HK$2,083/mo
Today · 4.125%
HK$70,043
baseline
▲ 0.50% · 4.625%
HK$74,305
+HK$4,262/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,086/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,324
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,290
−HK$1,995/mo
Today · 4.125%
HK$77,285
baseline
▲ 0.50% · 4.625%
HK$81,359
+HK$4,074/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,570/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,176 · Scale 2, in force from 26 Feb 2026)