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$36,650
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,790
−HK$1,158/mo
Today · 4.125%
HK$38,948
baseline
▲ 0.50% · 4.625%
HK$41,318
+HK$2,370/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,896/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,773
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,866
−HK$1,110/mo
Today · 4.125%
HK$42,976
baseline
▲ 0.50% · 4.625%
HK$45,241
+HK$2,265/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,952/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,980
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,348
−HK$1,390/mo
Today · 4.125%
HK$46,738
baseline
▲ 0.50% · 4.625%
HK$49,582
+HK$2,844/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,476/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,927
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,239
−HK$1,332/mo
Today · 4.125%
HK$51,571
baseline
▲ 0.50% · 4.625%
HK$54,289
+HK$2,718/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,142/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,310
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,906
−HK$1,622/mo
Today · 4.125%
HK$54,528
baseline
▲ 0.50% · 4.625%
HK$57,845
+HK$3,317/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,056/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,082
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,613
−HK$1,553/mo
Today · 4.125%
HK$60,166
baseline
▲ 0.50% · 4.625%
HK$63,337
+HK$3,171/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,332/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,970
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,022
−HK$2,085/mo
Today · 4.125%
HK$70,107
baseline
▲ 0.50% · 4.625%
HK$74,373
+HK$4,266/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,214/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,391
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,359
−HK$1,997/mo
Today · 4.125%
HK$77,356
baseline
▲ 0.50% · 4.625%
HK$81,434
+HK$4,078/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,712/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,728 · Scale 2, in force from 26 Feb 2026)