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$36,558
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,696
−HK$1,155/mo
Today · 4.125%
HK$38,851
baseline
▲ 0.50% · 4.625%
HK$41,215
+HK$2,364/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,702/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,671
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,762
−HK$1,106/mo
Today · 4.125%
HK$42,868
baseline
▲ 0.50% · 4.625%
HK$45,128
+HK$2,260/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,736/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,870
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,235
−HK$1,386/mo
Today · 4.125%
HK$46,621
baseline
▲ 0.50% · 4.625%
HK$49,458
+HK$2,837/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,242/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,805
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,114
−HK$1,328/mo
Today · 4.125%
HK$51,442
baseline
▲ 0.50% · 4.625%
HK$54,153
+HK$2,711/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,884/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,182
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,774
−HK$1,617/mo
Today · 4.125%
HK$54,391
baseline
▲ 0.50% · 4.625%
HK$57,701
+HK$3,310/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,782/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,939
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,466
−HK$1,549/mo
Today · 4.125%
HK$60,015
baseline
▲ 0.50% · 4.625%
HK$63,179
+HK$3,164/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$120,030/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,805
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,852
−HK$2,080/mo
Today · 4.125%
HK$69,932
baseline
▲ 0.50% · 4.625%
HK$74,187
+HK$4,255/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,864/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,207
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,171
−HK$1,992/mo
Today · 4.125%
HK$77,163
baseline
▲ 0.50% · 4.625%
HK$81,230
+HK$4,067/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,326/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,221 · Scale 2, in force from 26 Feb 2026)