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$36,585
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,723
−HK$1,156/mo
Today · 4.125%
HK$38,879
baseline
▲ 0.50% · 4.625%
HK$41,244
+HK$2,365/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,758/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,700
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,792
−HK$1,107/mo
Today · 4.125%
HK$42,899
baseline
▲ 0.50% · 4.625%
HK$45,160
+HK$2,261/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,798/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,902
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,267
−HK$1,388/mo
Today · 4.125%
HK$46,655
baseline
▲ 0.50% · 4.625%
HK$49,493
+HK$2,838/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,310/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,840
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,150
−HK$1,329/mo
Today · 4.125%
HK$51,479
baseline
▲ 0.50% · 4.625%
HK$54,192
+HK$2,713/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,958/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,218
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,812
−HK$1,618/mo
Today · 4.125%
HK$54,430
baseline
▲ 0.50% · 4.625%
HK$57,742
+HK$3,312/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,860/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,980
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,508
−HK$1,550/mo
Today · 4.125%
HK$60,058
baseline
▲ 0.50% · 4.625%
HK$63,224
+HK$3,166/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,116/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,852
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,901
−HK$2,081/mo
Today · 4.125%
HK$69,982
baseline
▲ 0.50% · 4.625%
HK$74,240
+HK$4,258/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,964/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,260
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,225
−HK$1,993/mo
Today · 4.125%
HK$77,218
baseline
▲ 0.50% · 4.625%
HK$81,288
+HK$4,070/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,436/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,653 · Scale 2, in force from 26 Feb 2026)