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$38,271
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,461
−HK$1,210/mo
Today · 4.125%
HK$40,671
baseline
▲ 0.50% · 4.625%
HK$43,146
+HK$2,475/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,342/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,576
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,718
−HK$1,158/mo
Today · 4.125%
HK$44,876
baseline
▲ 0.50% · 4.625%
HK$47,242
+HK$2,366/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,752/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,925
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,354
−HK$1,451/mo
Today · 4.125%
HK$48,805
baseline
▲ 0.50% · 4.625%
HK$51,775
+HK$2,970/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,610/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,091
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,462
−HK$1,390/mo
Today · 4.125%
HK$53,852
baseline
▲ 0.50% · 4.625%
HK$56,690
+HK$2,838/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,704/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,579
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,246
−HK$1,693/mo
Today · 4.125%
HK$56,939
baseline
▲ 0.50% · 4.625%
HK$60,404
+HK$3,465/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$113,878/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,607
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,205
−HK$1,622/mo
Today · 4.125%
HK$62,827
baseline
▲ 0.50% · 4.625%
HK$66,139
+HK$3,312/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,654/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,888
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,031
−HK$2,177/mo
Today · 4.125%
HK$73,208
baseline
▲ 0.50% · 4.625%
HK$77,662
+HK$4,454/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,416/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,637
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,692
−HK$2,086/mo
Today · 4.125%
HK$80,778
baseline
▲ 0.50% · 4.625%
HK$85,035
+HK$4,257/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,556/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,388 · Scale 2, in force from 26 Feb 2026)