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$38,371
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,565
−HK$1,212/mo
Today · 4.125%
HK$40,777
baseline
▲ 0.50% · 4.625%
HK$43,259
+HK$2,482/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,554/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$631,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,688
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,832
−HK$1,162/mo
Today · 4.125%
HK$44,994
baseline
▲ 0.50% · 4.625%
HK$47,366
+HK$2,372/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,988/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$631,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,045
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,478
−HK$1,455/mo
Today · 4.125%
HK$48,933
baseline
▲ 0.50% · 4.625%
HK$51,910
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,866/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,225
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,599
−HK$1,394/mo
Today · 4.125%
HK$53,993
baseline
▲ 0.50% · 4.625%
HK$56,839
+HK$2,846/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$107,986/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,720
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,391
−HK$1,697/mo
Today · 4.125%
HK$57,088
baseline
▲ 0.50% · 4.625%
HK$60,562
+HK$3,474/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,176/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,763
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,365
−HK$1,626/mo
Today · 4.125%
HK$62,991
baseline
▲ 0.50% · 4.625%
HK$66,312
+HK$3,321/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,982/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,068
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,217
−HK$2,182/mo
Today · 4.125%
HK$73,399
baseline
▲ 0.50% · 4.625%
HK$77,866
+HK$4,467/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,798/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,838
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,898
−HK$2,091/mo
Today · 4.125%
HK$80,989
baseline
▲ 0.50% · 4.625%
HK$85,258
+HK$4,269/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,978/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,035 · Scale 2, in force from 26 Feb 2026)