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$36,590
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,728
−HK$1,156/mo
Today · 4.125%
HK$38,884
baseline
▲ 0.50% · 4.625%
HK$41,250
+HK$2,366/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,768/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,706
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,798
−HK$1,107/mo
Today · 4.125%
HK$42,905
baseline
▲ 0.50% · 4.625%
HK$45,167
+HK$2,262/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,810/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,908
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,274
−HK$1,387/mo
Today · 4.125%
HK$46,661
baseline
▲ 0.50% · 4.625%
HK$49,500
+HK$2,839/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,322/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,847
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,157
−HK$1,329/mo
Today · 4.125%
HK$51,486
baseline
▲ 0.50% · 4.625%
HK$54,200
+HK$2,714/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,972/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,226
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,819
−HK$1,619/mo
Today · 4.125%
HK$54,438
baseline
▲ 0.50% · 4.625%
HK$57,751
+HK$3,313/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,876/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,988
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,517
−HK$1,550/mo
Today · 4.125%
HK$60,067
baseline
▲ 0.50% · 4.625%
HK$63,233
+HK$3,166/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,134/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,862
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,910
−HK$2,082/mo
Today · 4.125%
HK$69,992
baseline
▲ 0.50% · 4.625%
HK$74,251
+HK$4,259/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,984/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,271
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,236
−HK$1,993/mo
Today · 4.125%
HK$77,229
baseline
▲ 0.50% · 4.625%
HK$81,300
+HK$4,071/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,458/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,740 · Scale 2, in force from 26 Feb 2026)