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$38,224
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,413
−HK$1,208/mo
Today · 4.125%
HK$40,621
baseline
▲ 0.50% · 4.625%
HK$43,093
+HK$2,472/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,242/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,524
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,665
−HK$1,157/mo
Today · 4.125%
HK$44,822
baseline
▲ 0.50% · 4.625%
HK$47,184
+HK$2,362/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,644/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,869
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,296
−HK$1,450/mo
Today · 4.125%
HK$48,746
baseline
▲ 0.50% · 4.625%
HK$51,712
+HK$2,966/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,492/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,029
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,398
−HK$1,388/mo
Today · 4.125%
HK$53,786
baseline
▲ 0.50% · 4.625%
HK$56,621
+HK$2,835/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,572/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,514
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,179
−HK$1,691/mo
Today · 4.125%
HK$56,870
baseline
▲ 0.50% · 4.625%
HK$60,330
+HK$3,460/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,740/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,534
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,131
−HK$1,619/mo
Today · 4.125%
HK$62,750
baseline
▲ 0.50% · 4.625%
HK$66,058
+HK$3,308/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,500/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,804
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,944
−HK$2,174/mo
Today · 4.125%
HK$73,118
baseline
▲ 0.50% · 4.625%
HK$77,568
+HK$4,450/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,236/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,544
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,596
−HK$2,083/mo
Today · 4.125%
HK$80,679
baseline
▲ 0.50% · 4.625%
HK$84,932
+HK$4,253/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$161,358/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,620 · Scale 2, in force from 26 Feb 2026)