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$36,515
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,651
−HK$1,154/mo
Today · 4.125%
HK$38,805
baseline
▲ 0.50% · 4.625%
HK$41,166
+HK$2,361/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,610/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,623
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,712
−HK$1,105/mo
Today · 4.125%
HK$42,817
baseline
▲ 0.50% · 4.625%
HK$45,074
+HK$2,257/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,634/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,818
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,181
−HK$1,385/mo
Today · 4.125%
HK$46,566
baseline
▲ 0.50% · 4.625%
HK$49,399
+HK$2,833/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,132/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,747
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,055
−HK$1,326/mo
Today · 4.125%
HK$51,381
baseline
▲ 0.50% · 4.625%
HK$54,089
+HK$2,708/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,762/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,121
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,711
−HK$1,616/mo
Today · 4.125%
HK$54,327
baseline
▲ 0.50% · 4.625%
HK$57,633
+HK$3,306/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,654/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,872
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,397
−HK$1,547/mo
Today · 4.125%
HK$59,944
baseline
▲ 0.50% · 4.625%
HK$63,104
+HK$3,160/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,888/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,727
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,772
−HK$2,077/mo
Today · 4.125%
HK$69,849
baseline
▲ 0.50% · 4.625%
HK$74,099
+HK$4,250/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,698/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,121
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,082
−HK$1,989/mo
Today · 4.125%
HK$77,071
baseline
▲ 0.50% · 4.625%
HK$81,134
+HK$4,063/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,142/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,510 · Scale 2, in force from 26 Feb 2026)