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$38,365
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,558
−HK$1,213/mo
Today · 4.125%
HK$40,771
baseline
▲ 0.50% · 4.625%
HK$43,252
+HK$2,481/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,542/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,681
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,825
−HK$1,162/mo
Today · 4.125%
HK$44,987
baseline
▲ 0.50% · 4.625%
HK$47,358
+HK$2,371/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,974/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,038
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,470
−HK$1,455/mo
Today · 4.125%
HK$48,925
baseline
▲ 0.50% · 4.625%
HK$51,902
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,850/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,217
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,590
−HK$1,394/mo
Today · 4.125%
HK$53,984
baseline
▲ 0.50% · 4.625%
HK$56,829
+HK$2,845/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,968/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,711
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,382
−HK$1,697/mo
Today · 4.125%
HK$57,079
baseline
▲ 0.50% · 4.625%
HK$60,552
+HK$3,473/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,158/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,753
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,355
−HK$1,626/mo
Today · 4.125%
HK$62,981
baseline
▲ 0.50% · 4.625%
HK$66,301
+HK$3,320/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,962/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,057
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,205
−HK$2,182/mo
Today · 4.125%
HK$73,387
baseline
▲ 0.50% · 4.625%
HK$77,853
+HK$4,466/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,774/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,825
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,886
−HK$2,090/mo
Today · 4.125%
HK$80,976
baseline
▲ 0.50% · 4.625%
HK$85,244
+HK$4,268/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,952/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,932 · Scale 2, in force from 26 Feb 2026)