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$38,233
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,422
−HK$1,208/mo
Today · 4.125%
HK$40,630
baseline
▲ 0.50% · 4.625%
HK$43,103
+HK$2,473/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,260/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,534
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,674
−HK$1,157/mo
Today · 4.125%
HK$44,831
baseline
▲ 0.50% · 4.625%
HK$47,195
+HK$2,364/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,662/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,879
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,306
−HK$1,450/mo
Today · 4.125%
HK$48,756
baseline
▲ 0.50% · 4.625%
HK$51,723
+HK$2,967/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,512/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,040
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,409
−HK$1,389/mo
Today · 4.125%
HK$53,798
baseline
▲ 0.50% · 4.625%
HK$56,634
+HK$2,836/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,596/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,526
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,191
−HK$1,691/mo
Today · 4.125%
HK$56,882
baseline
▲ 0.50% · 4.625%
HK$60,344
+HK$3,462/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,764/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,547
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,144
−HK$1,620/mo
Today · 4.125%
HK$62,764
baseline
▲ 0.50% · 4.625%
HK$66,072
+HK$3,308/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,528/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,819
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,960
−HK$2,174/mo
Today · 4.125%
HK$73,134
baseline
▲ 0.50% · 4.625%
HK$77,585
+HK$4,451/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,268/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,560
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,614
−HK$2,083/mo
Today · 4.125%
HK$80,697
baseline
▲ 0.50% · 4.625%
HK$84,950
+HK$4,253/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$161,394/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,758 · Scale 2, in force from 26 Feb 2026)