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$36,574
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,712
−HK$1,156/mo
Today · 4.125%
HK$38,868
baseline
▲ 0.50% · 4.625%
HK$41,233
+HK$2,365/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,736/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,688
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,780
−HK$1,107/mo
Today · 4.125%
HK$42,887
baseline
▲ 0.50% · 4.625%
HK$45,147
+HK$2,260/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,774/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,889
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,254
−HK$1,387/mo
Today · 4.125%
HK$46,641
baseline
▲ 0.50% · 4.625%
HK$49,479
+HK$2,838/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$93,282/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,826
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,136
−HK$1,328/mo
Today · 4.125%
HK$51,464
baseline
▲ 0.50% · 4.625%
HK$54,177
+HK$2,713/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$102,928/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,204
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,797
−HK$1,618/mo
Today · 4.125%
HK$54,415
baseline
▲ 0.50% · 4.625%
HK$57,726
+HK$3,311/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,830/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,964
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,492
−HK$1,549/mo
Today · 4.125%
HK$60,041
baseline
▲ 0.50% · 4.625%
HK$63,206
+HK$3,165/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,082/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,834
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,881
−HK$2,081/mo
Today · 4.125%
HK$69,962
baseline
▲ 0.50% · 4.625%
HK$74,219
+HK$4,257/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,924/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,239
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,203
−HK$1,993/mo
Today · 4.125%
HK$77,196
baseline
▲ 0.50% · 4.625%
HK$81,265
+HK$4,069/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,392/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,483 · Scale 2, in force from 26 Feb 2026)