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$38,278
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,469
−HK$1,210/mo
Today · 4.125%
HK$40,679
baseline
▲ 0.50% · 4.625%
HK$43,154
+HK$2,475/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,358/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,584
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,726
−HK$1,159/mo
Today · 4.125%
HK$44,885
baseline
▲ 0.50% · 4.625%
HK$47,251
+HK$2,366/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,770/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,934
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,363
−HK$1,451/mo
Today · 4.125%
HK$48,814
baseline
▲ 0.50% · 4.625%
HK$51,785
+HK$2,971/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,628/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,101
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,472
−HK$1,390/mo
Today · 4.125%
HK$53,862
baseline
▲ 0.50% · 4.625%
HK$56,701
+HK$2,839/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,724/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,590
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,257
−HK$1,693/mo
Today · 4.125%
HK$56,950
baseline
▲ 0.50% · 4.625%
HK$60,415
+HK$3,465/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$113,900/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,618
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,217
−HK$1,622/mo
Today · 4.125%
HK$62,839
baseline
▲ 0.50% · 4.625%
HK$66,151
+HK$3,312/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,678/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,901
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,044
−HK$2,178/mo
Today · 4.125%
HK$73,222
baseline
▲ 0.50% · 4.625%
HK$77,677
+HK$4,455/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,444/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,652
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,707
−HK$2,086/mo
Today · 4.125%
HK$80,793
baseline
▲ 0.50% · 4.625%
HK$85,051
+HK$4,258/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,586/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,506 · Scale 2, in force from 26 Feb 2026)