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$38,251
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,441
−HK$1,209/mo
Today · 4.125%
HK$40,650
baseline
▲ 0.50% · 4.625%
HK$43,123
+HK$2,473/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,300/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,554
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,695
−HK$1,158/mo
Today · 4.125%
HK$44,853
baseline
▲ 0.50% · 4.625%
HK$47,218
+HK$2,365/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,706/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,902
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,329
−HK$1,451/mo
Today · 4.125%
HK$48,780
baseline
▲ 0.50% · 4.625%
HK$51,748
+HK$2,968/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,560/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,065
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,435
−HK$1,389/mo
Today · 4.125%
HK$53,824
baseline
▲ 0.50% · 4.625%
HK$56,661
+HK$2,837/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,648/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,552
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,218
−HK$1,692/mo
Today · 4.125%
HK$56,910
baseline
▲ 0.50% · 4.625%
HK$60,373
+HK$3,463/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,820/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,576
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,174
−HK$1,621/mo
Today · 4.125%
HK$62,795
baseline
▲ 0.50% · 4.625%
HK$66,105
+HK$3,310/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,590/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,852
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,994
−HK$2,176/mo
Today · 4.125%
HK$73,170
baseline
▲ 0.50% · 4.625%
HK$77,622
+HK$4,452/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$146,340/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,598
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,652
−HK$2,084/mo
Today · 4.125%
HK$80,736
baseline
▲ 0.50% · 4.625%
HK$84,992
+HK$4,256/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$161,472/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,063 · Scale 2, in force from 26 Feb 2026)