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$36,577
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,714
−HK$1,156/mo
Today · 4.125%
HK$38,870
baseline
▲ 0.50% · 4.625%
HK$41,235
+HK$2,365/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,740/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,691
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,782
−HK$1,107/mo
Today · 4.125%
HK$42,889
baseline
▲ 0.50% · 4.625%
HK$45,150
+HK$2,261/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,778/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,892
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,257
−HK$1,387/mo
Today · 4.125%
HK$46,644
baseline
▲ 0.50% · 4.625%
HK$49,482
+HK$2,838/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$93,288/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,829
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,139
−HK$1,328/mo
Today · 4.125%
HK$51,467
baseline
▲ 0.50% · 4.625%
HK$54,180
+HK$2,713/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$102,934/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,207
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,800
−HK$1,618/mo
Today · 4.125%
HK$54,418
baseline
▲ 0.50% · 4.625%
HK$57,729
+HK$3,311/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,836/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,967
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,495
−HK$1,550/mo
Today · 4.125%
HK$60,045
baseline
▲ 0.50% · 4.625%
HK$63,210
+HK$3,165/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,090/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,838
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,886
−HK$2,080/mo
Today · 4.125%
HK$69,966
baseline
▲ 0.50% · 4.625%
HK$74,224
+HK$4,258/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,932/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,244
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,208
−HK$1,993/mo
Today · 4.125%
HK$77,201
baseline
▲ 0.50% · 4.625%
HK$81,270
+HK$4,069/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,402/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,520 · Scale 2, in force from 26 Feb 2026)