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$38,284
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,474
−HK$1,210/mo
Today · 4.125%
HK$40,684
baseline
▲ 0.50% · 4.625%
HK$43,160
+HK$2,476/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,368/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,590
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,732
−HK$1,159/mo
Today · 4.125%
HK$44,891
baseline
▲ 0.50% · 4.625%
HK$47,257
+HK$2,366/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,782/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,940
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,369
−HK$1,452/mo
Today · 4.125%
HK$48,821
baseline
▲ 0.50% · 4.625%
HK$51,792
+HK$2,971/mo
Deposit HK$6.72M · loan HK$10.07M · min. income ≈ HK$97,642/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,108
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,479
−HK$1,390/mo
Today · 4.125%
HK$53,869
baseline
▲ 0.50% · 4.625%
HK$56,709
+HK$2,840/mo
Deposit HK$6.72M · loan HK$10.07M · min. income ≈ HK$107,738/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,597
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,264
−HK$1,694/mo
Today · 4.125%
HK$56,958
baseline
▲ 0.50% · 4.625%
HK$60,424
+HK$3,466/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$113,916/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,626
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,225
−HK$1,623/mo
Today · 4.125%
HK$62,848
baseline
▲ 0.50% · 4.625%
HK$66,160
+HK$3,312/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,696/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,910
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,054
−HK$2,178/mo
Today · 4.125%
HK$73,232
baseline
▲ 0.50% · 4.625%
HK$77,688
+HK$4,456/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,464/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,662
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,718
−HK$2,086/mo
Today · 4.125%
HK$80,804
baseline
▲ 0.50% · 4.625%
HK$85,063
+HK$4,259/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,608/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,594 · Scale 2, in force from 26 Feb 2026)