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$36,557
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,694
−HK$1,156/mo
Today · 4.125%
HK$38,850
baseline
▲ 0.50% · 4.625%
HK$41,213
+HK$2,363/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,700/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,669
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,760
−HK$1,107/mo
Today · 4.125%
HK$42,867
baseline
▲ 0.50% · 4.625%
HK$45,126
+HK$2,259/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,734/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,868
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,233
−HK$1,386/mo
Today · 4.125%
HK$46,619
baseline
▲ 0.50% · 4.625%
HK$49,456
+HK$2,837/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$93,238/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,803
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,112
−HK$1,328/mo
Today · 4.125%
HK$51,440
baseline
▲ 0.50% · 4.625%
HK$54,151
+HK$2,711/mo
Deposit HK$6.41M · loan HK$9.62M · min. income ≈ HK$102,880/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$601,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,180
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,772
−HK$1,617/mo
Today · 4.125%
HK$54,389
baseline
▲ 0.50% · 4.625%
HK$57,699
+HK$3,310/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,778/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,937
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,464
−HK$1,549/mo
Today · 4.125%
HK$60,013
baseline
▲ 0.50% · 4.625%
HK$63,177
+HK$3,164/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$120,026/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,803
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,850
−HK$2,079/mo
Today · 4.125%
HK$69,929
baseline
▲ 0.50% · 4.625%
HK$74,184
+HK$4,255/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$139,858/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,205
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,168
−HK$1,992/mo
Today · 4.125%
HK$77,160
baseline
▲ 0.50% · 4.625%
HK$81,227
+HK$4,067/mo
Deposit HK$1.60M · loan HK$14.43M · min. income ≈ HK$154,320/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$601,200 · Scale 2, in force from 26 Feb 2026)