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$36,577
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,715
−HK$1,156/mo
Today · 4.125%
HK$38,871
baseline
▲ 0.50% · 4.625%
HK$41,236
+HK$2,365/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,742/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,692
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,783
−HK$1,107/mo
Today · 4.125%
HK$42,890
baseline
▲ 0.50% · 4.625%
HK$45,151
+HK$2,261/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,780/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,892
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,258
−HK$1,387/mo
Today · 4.125%
HK$46,645
baseline
▲ 0.50% · 4.625%
HK$49,483
+HK$2,838/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$93,290/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,830
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,139
−HK$1,329/mo
Today · 4.125%
HK$51,468
baseline
▲ 0.50% · 4.625%
HK$54,181
+HK$2,713/mo
Deposit HK$6.42M · loan HK$9.62M · min. income ≈ HK$102,936/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,208
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,801
−HK$1,618/mo
Today · 4.125%
HK$54,419
baseline
▲ 0.50% · 4.625%
HK$57,730
+HK$3,311/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,838/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,968
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,496
−HK$1,550/mo
Today · 4.125%
HK$60,046
baseline
▲ 0.50% · 4.625%
HK$63,211
+HK$3,165/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,092/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$601,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,839
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,887
−HK$2,080/mo
Today · 4.125%
HK$69,967
baseline
▲ 0.50% · 4.625%
HK$74,225
+HK$4,258/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,934/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,245
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,209
−HK$1,993/mo
Today · 4.125%
HK$77,202
baseline
▲ 0.50% · 4.625%
HK$81,271
+HK$4,069/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,404/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,528 · Scale 2, in force from 26 Feb 2026)