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$36,630
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,770
−HK$1,158/mo
Today · 4.125%
HK$38,928
baseline
▲ 0.50% · 4.625%
HK$41,296
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,856/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,751
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,844
−HK$1,109/mo
Today · 4.125%
HK$42,953
baseline
▲ 0.50% · 4.625%
HK$45,217
+HK$2,264/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,906/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,957
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,324
−HK$1,389/mo
Today · 4.125%
HK$46,713
baseline
▲ 0.50% · 4.625%
HK$49,555
+HK$2,842/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,426/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,901
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,213
−HK$1,330/mo
Today · 4.125%
HK$51,543
baseline
▲ 0.50% · 4.625%
HK$54,260
+HK$2,717/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,086/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,283
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,878
−HK$1,621/mo
Today · 4.125%
HK$54,499
baseline
▲ 0.50% · 4.625%
HK$57,815
+HK$3,316/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,998/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,051
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,582
−HK$1,552/mo
Today · 4.125%
HK$60,134
baseline
▲ 0.50% · 4.625%
HK$63,304
+HK$3,170/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,268/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,935
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,986
−HK$2,084/mo
Today · 4.125%
HK$70,070
baseline
▲ 0.50% · 4.625%
HK$74,333
+HK$4,263/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,140/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,352
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,319
−HK$1,996/mo
Today · 4.125%
HK$77,315
baseline
▲ 0.50% · 4.625%
HK$81,390
+HK$4,075/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,630/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,408 · Scale 2, in force from 26 Feb 2026)