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$36,596
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,735
−HK$1,156/mo
Today · 4.125%
HK$38,891
baseline
▲ 0.50% · 4.625%
HK$41,258
+HK$2,367/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,782/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,713
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,805
−HK$1,108/mo
Today · 4.125%
HK$42,913
baseline
▲ 0.50% · 4.625%
HK$45,175
+HK$2,262/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,826/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,916
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,282
−HK$1,388/mo
Today · 4.125%
HK$46,670
baseline
▲ 0.50% · 4.625%
HK$49,509
+HK$2,839/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,340/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,856
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,166
−HK$1,329/mo
Today · 4.125%
HK$51,495
baseline
▲ 0.50% · 4.625%
HK$54,210
+HK$2,715/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,990/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,235
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,829
−HK$1,619/mo
Today · 4.125%
HK$54,448
baseline
▲ 0.50% · 4.625%
HK$57,761
+HK$3,313/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,896/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,999
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,527
−HK$1,551/mo
Today · 4.125%
HK$60,078
baseline
▲ 0.50% · 4.625%
HK$63,245
+HK$3,167/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,156/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,874
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,923
−HK$2,082/mo
Today · 4.125%
HK$70,005
baseline
▲ 0.50% · 4.625%
HK$74,264
+HK$4,259/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$140,010/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,284
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,249
−HK$1,994/mo
Today · 4.125%
HK$77,243
baseline
▲ 0.50% · 4.625%
HK$81,315
+HK$4,072/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,486/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,849 · Scale 2, in force from 26 Feb 2026)