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$36,523
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,659
−HK$1,155/mo
Today · 4.125%
HK$38,814
baseline
▲ 0.50% · 4.625%
HK$41,175
+HK$2,361/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,628/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,632
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,722
−HK$1,105/mo
Today · 4.125%
HK$42,827
baseline
▲ 0.50% · 4.625%
HK$45,085
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,654/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,828
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,191
−HK$1,385/mo
Today · 4.125%
HK$46,576
baseline
▲ 0.50% · 4.625%
HK$49,411
+HK$2,835/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,152/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,758
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,066
−HK$1,327/mo
Today · 4.125%
HK$51,393
baseline
▲ 0.50% · 4.625%
HK$54,101
+HK$2,708/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,786/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,133
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,723
−HK$1,616/mo
Today · 4.125%
HK$54,339
baseline
▲ 0.50% · 4.625%
HK$57,646
+HK$3,307/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$108,678/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,885
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,410
−HK$1,548/mo
Today · 4.125%
HK$59,958
baseline
▲ 0.50% · 4.625%
HK$63,118
+HK$3,160/mo
Deposit HK$4.81M · loan HK$11.21M · min. income ≈ HK$119,916/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,742
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,787
−HK$2,078/mo
Today · 4.125%
HK$69,865
baseline
▲ 0.50% · 4.625%
HK$74,116
+HK$4,251/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,730/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,137
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,099
−HK$1,990/mo
Today · 4.125%
HK$77,089
baseline
▲ 0.50% · 4.625%
HK$81,152
+HK$4,063/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,178/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,646 · Scale 2, in force from 26 Feb 2026)