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$38,377
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,571
−HK$1,213/mo
Today · 4.125%
HK$40,784
baseline
▲ 0.50% · 4.625%
HK$43,265
+HK$2,481/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,568/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,694
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,839
−HK$1,162/mo
Today · 4.125%
HK$45,001
baseline
▲ 0.50% · 4.625%
HK$47,373
+HK$2,372/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,002/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,053
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,485
−HK$1,456/mo
Today · 4.125%
HK$48,941
baseline
▲ 0.50% · 4.625%
HK$51,918
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,882/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,233
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,607
−HK$1,394/mo
Today · 4.125%
HK$54,001
baseline
▲ 0.50% · 4.625%
HK$56,848
+HK$2,847/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$108,002/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,728
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,399
−HK$1,698/mo
Today · 4.125%
HK$57,097
baseline
▲ 0.50% · 4.625%
HK$60,572
+HK$3,475/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,194/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,772
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,375
−HK$1,626/mo
Today · 4.125%
HK$63,001
baseline
▲ 0.50% · 4.625%
HK$66,322
+HK$3,321/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$126,002/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,079
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,228
−HK$2,183/mo
Today · 4.125%
HK$73,411
baseline
▲ 0.50% · 4.625%
HK$77,878
+HK$4,467/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,822/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,850
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,911
−HK$2,091/mo
Today · 4.125%
HK$81,002
baseline
▲ 0.50% · 4.625%
HK$85,271
+HK$4,269/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,004/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,133 · Scale 2, in force from 26 Feb 2026)