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$38,336
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,528
−HK$1,212/mo
Today · 4.125%
HK$40,740
baseline
▲ 0.50% · 4.625%
HK$43,219
+HK$2,479/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,480/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,648
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,792
−HK$1,160/mo
Today · 4.125%
HK$44,952
baseline
▲ 0.50% · 4.625%
HK$47,322
+HK$2,370/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,904/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,003
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,434
−HK$1,454/mo
Today · 4.125%
HK$48,888
baseline
▲ 0.50% · 4.625%
HK$51,862
+HK$2,974/mo
Deposit HK$6.72M · loan HK$10.09M · min. income ≈ HK$97,776/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,178
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,550
−HK$1,393/mo
Today · 4.125%
HK$53,943
baseline
▲ 0.50% · 4.625%
HK$56,786
+HK$2,843/mo
Deposit HK$6.72M · loan HK$10.09M · min. income ≈ HK$107,886/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,670
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,340
−HK$1,696/mo
Today · 4.125%
HK$57,036
baseline
▲ 0.50% · 4.625%
HK$60,506
+HK$3,470/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,072/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,707
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,309
−HK$1,624/mo
Today · 4.125%
HK$62,933
baseline
▲ 0.50% · 4.625%
HK$66,251
+HK$3,318/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,866/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,004
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,151
−HK$2,181/mo
Today · 4.125%
HK$73,332
baseline
▲ 0.50% · 4.625%
HK$77,794
+HK$4,462/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,664/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,767
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,826
−HK$2,088/mo
Today · 4.125%
HK$80,914
baseline
▲ 0.50% · 4.625%
HK$85,179
+HK$4,265/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,828/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,452 · Scale 2, in force from 26 Feb 2026)