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$38,512
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,710
−HK$1,217/mo
Today · 4.125%
HK$40,927
baseline
▲ 0.50% · 4.625%
HK$43,417
+HK$2,490/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,854/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,844
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,993
−HK$1,166/mo
Today · 4.125%
HK$45,159
baseline
▲ 0.50% · 4.625%
HK$47,539
+HK$2,380/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,318/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,214
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,652
−HK$1,461/mo
Today · 4.125%
HK$49,113
baseline
▲ 0.50% · 4.625%
HK$52,101
+HK$2,988/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$98,226/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,413
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,792
−HK$1,399/mo
Today · 4.125%
HK$54,191
baseline
▲ 0.50% · 4.625%
HK$57,047
+HK$2,856/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$108,382/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,917
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,594
−HK$1,704/mo
Today · 4.125%
HK$57,298
baseline
▲ 0.50% · 4.625%
HK$60,784
+HK$3,486/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,596/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,982
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,591
−HK$1,632/mo
Today · 4.125%
HK$63,223
baseline
▲ 0.50% · 4.625%
HK$66,555
+HK$3,332/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,446/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,322
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,478
−HK$2,191/mo
Today · 4.125%
HK$73,669
baseline
▲ 0.50% · 4.625%
HK$78,151
+HK$4,482/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,338/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,120
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,188
−HK$2,098/mo
Today · 4.125%
HK$81,286
baseline
▲ 0.50% · 4.625%
HK$85,571
+HK$4,285/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,572/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,352 · Scale 2, in force from 26 Feb 2026)