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$36,593
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,732
−HK$1,156/mo
Today · 4.125%
HK$38,888
baseline
▲ 0.50% · 4.625%
HK$41,254
+HK$2,366/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,776/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,710
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,802
−HK$1,107/mo
Today · 4.125%
HK$42,909
baseline
▲ 0.50% · 4.625%
HK$45,171
+HK$2,262/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,818/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,912
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,278
−HK$1,388/mo
Today · 4.125%
HK$46,666
baseline
▲ 0.50% · 4.625%
HK$49,505
+HK$2,839/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,332/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,852
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,162
−HK$1,329/mo
Today · 4.125%
HK$51,491
baseline
▲ 0.50% · 4.625%
HK$54,205
+HK$2,714/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,982/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,231
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,824
−HK$1,619/mo
Today · 4.125%
HK$54,443
baseline
▲ 0.50% · 4.625%
HK$57,756
+HK$3,313/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,886/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,994
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,522
−HK$1,551/mo
Today · 4.125%
HK$60,073
baseline
▲ 0.50% · 4.625%
HK$63,239
+HK$3,166/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,146/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,868
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,917
−HK$2,082/mo
Today · 4.125%
HK$69,999
baseline
▲ 0.50% · 4.625%
HK$74,258
+HK$4,259/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,998/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,278
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,243
−HK$1,993/mo
Today · 4.125%
HK$77,236
baseline
▲ 0.50% · 4.625%
HK$81,308
+HK$4,072/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,472/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,797 · Scale 2, in force from 26 Feb 2026)