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$38,346
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,539
−HK$1,212/mo
Today · 4.125%
HK$40,751
baseline
▲ 0.50% · 4.625%
HK$43,230
+HK$2,479/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,502/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,660
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,804
−HK$1,161/mo
Today · 4.125%
HK$44,965
baseline
▲ 0.50% · 4.625%
HK$47,335
+HK$2,370/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,930/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,015
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,447
−HK$1,454/mo
Today · 4.125%
HK$48,901
baseline
▲ 0.50% · 4.625%
HK$51,877
+HK$2,976/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,802/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,192
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,565
−HK$1,392/mo
Today · 4.125%
HK$53,957
baseline
▲ 0.50% · 4.625%
HK$56,802
+HK$2,845/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,914/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,685
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,355
−HK$1,696/mo
Today · 4.125%
HK$57,051
baseline
▲ 0.50% · 4.625%
HK$60,523
+HK$3,472/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,102/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,724
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,325
−HK$1,625/mo
Today · 4.125%
HK$62,950
baseline
▲ 0.50% · 4.625%
HK$66,269
+HK$3,319/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,900/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,023
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,170
−HK$2,182/mo
Today · 4.125%
HK$73,352
baseline
▲ 0.50% · 4.625%
HK$77,815
+HK$4,463/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,704/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,788
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,847
−HK$2,089/mo
Today · 4.125%
HK$80,936
baseline
▲ 0.50% · 4.625%
HK$85,202
+HK$4,266/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,872/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,624 · Scale 2, in force from 26 Feb 2026)