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$38,272
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,463
−HK$1,209/mo
Today · 4.125%
HK$40,672
baseline
▲ 0.50% · 4.625%
HK$43,147
+HK$2,475/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,344/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,578
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,720
−HK$1,158/mo
Today · 4.125%
HK$44,878
baseline
▲ 0.50% · 4.625%
HK$47,244
+HK$2,366/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,756/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,927
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,355
−HK$1,452/mo
Today · 4.125%
HK$48,807
baseline
▲ 0.50% · 4.625%
HK$51,777
+HK$2,970/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,614/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,093
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,463
−HK$1,391/mo
Today · 4.125%
HK$53,854
baseline
▲ 0.50% · 4.625%
HK$56,692
+HK$2,838/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,708/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,581
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,248
−HK$1,693/mo
Today · 4.125%
HK$56,941
baseline
▲ 0.50% · 4.625%
HK$60,406
+HK$3,465/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$113,882/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,609
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,207
−HK$1,622/mo
Today · 4.125%
HK$62,829
baseline
▲ 0.50% · 4.625%
HK$66,141
+HK$3,312/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,658/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,890
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,033
−HK$2,177/mo
Today · 4.125%
HK$73,210
baseline
▲ 0.50% · 4.625%
HK$77,665
+HK$4,455/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,420/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,640
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,695
−HK$2,085/mo
Today · 4.125%
HK$80,780
baseline
▲ 0.50% · 4.625%
HK$85,038
+HK$4,258/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,560/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,410 · Scale 2, in force from 26 Feb 2026)