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$38,256
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,446
−HK$1,209/mo
Today · 4.125%
HK$40,655
baseline
▲ 0.50% · 4.625%
HK$43,129
+HK$2,474/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,310/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,560
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,701
−HK$1,158/mo
Today · 4.125%
HK$44,859
baseline
▲ 0.50% · 4.625%
HK$47,224
+HK$2,365/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,718/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,908
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,336
−HK$1,451/mo
Today · 4.125%
HK$48,787
baseline
▲ 0.50% · 4.625%
HK$51,755
+HK$2,968/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,574/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,072
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,442
−HK$1,389/mo
Today · 4.125%
HK$53,831
baseline
▲ 0.50% · 4.625%
HK$56,669
+HK$2,838/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,662/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,559
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,225
−HK$1,693/mo
Today · 4.125%
HK$56,918
baseline
▲ 0.50% · 4.625%
HK$60,381
+HK$3,463/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,836/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,584
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,182
−HK$1,621/mo
Today · 4.125%
HK$62,803
baseline
▲ 0.50% · 4.625%
HK$66,113
+HK$3,310/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,606/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,862
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$71,004
−HK$2,176/mo
Today · 4.125%
HK$73,180
baseline
▲ 0.50% · 4.625%
HK$77,633
+HK$4,453/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$146,360/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,608
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,662
−HK$2,085/mo
Today · 4.125%
HK$80,747
baseline
▲ 0.50% · 4.625%
HK$85,003
+HK$4,256/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$161,494/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,147 · Scale 2, in force from 26 Feb 2026)