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$38,509
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,707
−HK$1,217/mo
Today · 4.125%
HK$40,924
baseline
▲ 0.50% · 4.625%
HK$43,414
+HK$2,490/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,848/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,841
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,990
−HK$1,166/mo
Today · 4.125%
HK$45,156
baseline
▲ 0.50% · 4.625%
HK$47,536
+HK$2,380/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,312/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,211
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,648
−HK$1,461/mo
Today · 4.125%
HK$49,109
baseline
▲ 0.50% · 4.625%
HK$52,097
+HK$2,988/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$98,218/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,409
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,788
−HK$1,399/mo
Today · 4.125%
HK$54,187
baseline
▲ 0.50% · 4.625%
HK$57,043
+HK$2,856/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$108,374/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,913
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,590
−HK$1,704/mo
Today · 4.125%
HK$57,294
baseline
▲ 0.50% · 4.625%
HK$60,780
+HK$3,486/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,588/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,977
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,586
−HK$1,632/mo
Today · 4.125%
HK$63,218
baseline
▲ 0.50% · 4.625%
HK$66,550
+HK$3,332/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,436/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,316
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,473
−HK$2,190/mo
Today · 4.125%
HK$73,663
baseline
▲ 0.50% · 4.625%
HK$78,145
+HK$4,482/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,326/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,114
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,182
−HK$2,098/mo
Today · 4.125%
HK$81,280
baseline
▲ 0.50% · 4.625%
HK$85,564
+HK$4,284/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,560/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,303 · Scale 2, in force from 26 Feb 2026)