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$38,373
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,567
−HK$1,213/mo
Today · 4.125%
HK$40,780
baseline
▲ 0.50% · 4.625%
HK$43,261
+HK$2,481/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,560/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,690
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,835
−HK$1,161/mo
Today · 4.125%
HK$44,996
baseline
▲ 0.50% · 4.625%
HK$47,368
+HK$2,372/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,992/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,048
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,480
−HK$1,456/mo
Today · 4.125%
HK$48,936
baseline
▲ 0.50% · 4.625%
HK$51,913
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,872/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,228
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,602
−HK$1,394/mo
Today · 4.125%
HK$53,996
baseline
▲ 0.50% · 4.625%
HK$56,842
+HK$2,846/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$107,992/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,723
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,394
−HK$1,698/mo
Today · 4.125%
HK$57,092
baseline
▲ 0.50% · 4.625%
HK$60,566
+HK$3,474/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,184/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,766
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,369
−HK$1,626/mo
Today · 4.125%
HK$62,995
baseline
▲ 0.50% · 4.625%
HK$66,316
+HK$3,321/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,990/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,072
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,221
−HK$2,183/mo
Today · 4.125%
HK$73,404
baseline
▲ 0.50% · 4.625%
HK$77,870
+HK$4,466/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,808/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,842
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,903
−HK$2,091/mo
Today · 4.125%
HK$80,994
baseline
▲ 0.50% · 4.625%
HK$85,263
+HK$4,269/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$161,988/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,071 · Scale 2, in force from 26 Feb 2026)