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$36,521
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,657
−HK$1,154/mo
Today · 4.125%
HK$38,811
baseline
▲ 0.50% · 4.625%
HK$41,172
+HK$2,361/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,622/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,629
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,719
−HK$1,105/mo
Today · 4.125%
HK$42,824
baseline
▲ 0.50% · 4.625%
HK$45,081
+HK$2,257/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,648/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,825
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,188
−HK$1,385/mo
Today · 4.125%
HK$46,573
baseline
▲ 0.50% · 4.625%
HK$49,407
+HK$2,834/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,146/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,755
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,062
−HK$1,327/mo
Today · 4.125%
HK$51,389
baseline
▲ 0.50% · 4.625%
HK$54,098
+HK$2,709/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,778/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,129
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,719
−HK$1,616/mo
Today · 4.125%
HK$54,335
baseline
▲ 0.50% · 4.625%
HK$57,641
+HK$3,306/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,670/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,880
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,406
−HK$1,548/mo
Today · 4.125%
HK$59,954
baseline
▲ 0.50% · 4.625%
HK$63,114
+HK$3,160/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,908/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,737
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,782
−HK$2,078/mo
Today · 4.125%
HK$69,860
baseline
▲ 0.50% · 4.625%
HK$74,110
+HK$4,250/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,720/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,132
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,093
−HK$1,990/mo
Today · 4.125%
HK$77,083
baseline
▲ 0.50% · 4.625%
HK$81,146
+HK$4,063/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,166/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,602 · Scale 2, in force from 26 Feb 2026)