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$38,247
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,436
−HK$1,209/mo
Today · 4.125%
HK$40,645
baseline
▲ 0.50% · 4.625%
HK$43,118
+HK$2,473/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,290/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$628,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,549
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,690
−HK$1,158/mo
Today · 4.125%
HK$44,848
baseline
▲ 0.50% · 4.625%
HK$47,212
+HK$2,364/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,696/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$628,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,896
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,324
−HK$1,450/mo
Today · 4.125%
HK$48,774
baseline
▲ 0.50% · 4.625%
HK$51,742
+HK$2,968/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,548/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,059
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,428
−HK$1,390/mo
Today · 4.125%
HK$53,818
baseline
▲ 0.50% · 4.625%
HK$56,654
+HK$2,836/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,636/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,545
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,211
−HK$1,692/mo
Today · 4.125%
HK$56,903
baseline
▲ 0.50% · 4.625%
HK$60,366
+HK$3,463/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,806/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,569
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,166
−HK$1,621/mo
Today · 4.125%
HK$62,787
baseline
▲ 0.50% · 4.625%
HK$66,097
+HK$3,310/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,574/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,844
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,986
−HK$2,175/mo
Today · 4.125%
HK$73,161
baseline
▲ 0.50% · 4.625%
HK$77,613
+HK$4,452/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$146,322/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,588
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,643
−HK$2,083/mo
Today · 4.125%
HK$80,726
baseline
▲ 0.50% · 4.625%
HK$84,982
+HK$4,256/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$161,452/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,989 · Scale 2, in force from 26 Feb 2026)