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$36,528
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,665
−HK$1,154/mo
Today · 4.125%
HK$38,819
baseline
▲ 0.50% · 4.625%
HK$41,181
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,638/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,637
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,727
−HK$1,106/mo
Today · 4.125%
HK$42,833
baseline
▲ 0.50% · 4.625%
HK$45,091
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,666/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,834
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,198
−HK$1,385/mo
Today · 4.125%
HK$46,583
baseline
▲ 0.50% · 4.625%
HK$49,417
+HK$2,834/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,166/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,765
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,073
−HK$1,327/mo
Today · 4.125%
HK$51,400
baseline
▲ 0.50% · 4.625%
HK$54,109
+HK$2,709/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,800/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,140
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,730
−HK$1,617/mo
Today · 4.125%
HK$54,347
baseline
▲ 0.50% · 4.625%
HK$57,654
+HK$3,307/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$108,694/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,892
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,418
−HK$1,548/mo
Today · 4.125%
HK$59,966
baseline
▲ 0.50% · 4.625%
HK$63,127
+HK$3,161/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$119,932/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,751
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,796
−HK$2,078/mo
Today · 4.125%
HK$69,874
baseline
▲ 0.50% · 4.625%
HK$74,126
+HK$4,252/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,748/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,147
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,109
−HK$1,990/mo
Today · 4.125%
HK$77,099
baseline
▲ 0.50% · 4.625%
HK$81,163
+HK$4,064/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,198/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,729 · Scale 2, in force from 26 Feb 2026)