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$38,277
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,468
−HK$1,210/mo
Today · 4.125%
HK$40,678
baseline
▲ 0.50% · 4.625%
HK$43,153
+HK$2,475/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,356/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,583
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,725
−HK$1,159/mo
Today · 4.125%
HK$44,884
baseline
▲ 0.50% · 4.625%
HK$47,250
+HK$2,366/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,768/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,933
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,362
−HK$1,451/mo
Today · 4.125%
HK$48,813
baseline
▲ 0.50% · 4.625%
HK$51,783
+HK$2,970/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,626/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,100
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,470
−HK$1,390/mo
Today · 4.125%
HK$53,860
baseline
▲ 0.50% · 4.625%
HK$56,700
+HK$2,840/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,720/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,588
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,255
−HK$1,694/mo
Today · 4.125%
HK$56,949
baseline
▲ 0.50% · 4.625%
HK$60,414
+HK$3,465/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$113,898/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,616
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,215
−HK$1,622/mo
Today · 4.125%
HK$62,837
baseline
▲ 0.50% · 4.625%
HK$66,149
+HK$3,312/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,674/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,899
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,042
−HK$2,178/mo
Today · 4.125%
HK$73,220
baseline
▲ 0.50% · 4.625%
HK$77,675
+HK$4,455/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,440/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,650
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,705
−HK$2,086/mo
Today · 4.125%
HK$80,791
baseline
▲ 0.50% · 4.625%
HK$85,049
+HK$4,258/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,582/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,490 · Scale 2, in force from 26 Feb 2026)