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$38,265
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,455
−HK$1,209/mo
Today · 4.125%
HK$40,664
baseline
▲ 0.50% · 4.625%
HK$43,139
+HK$2,475/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,328/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,569
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,711
−HK$1,158/mo
Today · 4.125%
HK$44,869
baseline
▲ 0.50% · 4.625%
HK$47,234
+HK$2,365/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,738/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,918
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,346
−HK$1,451/mo
Today · 4.125%
HK$48,797
baseline
▲ 0.50% · 4.625%
HK$51,766
+HK$2,969/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,594/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,083
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,453
−HK$1,390/mo
Today · 4.125%
HK$53,843
baseline
▲ 0.50% · 4.625%
HK$56,681
+HK$2,838/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,686/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,571
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,237
−HK$1,693/mo
Today · 4.125%
HK$56,930
baseline
▲ 0.50% · 4.625%
HK$60,394
+HK$3,464/mo
Deposit HK$5.03M · loan HK$11.75M · min. income ≈ HK$113,860/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,597
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,195
−HK$1,622/mo
Today · 4.125%
HK$62,817
baseline
▲ 0.50% · 4.625%
HK$66,128
+HK$3,311/mo
Deposit HK$5.03M · loan HK$11.75M · min. income ≈ HK$125,634/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,877
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,019
−HK$2,177/mo
Today · 4.125%
HK$73,196
baseline
▲ 0.50% · 4.625%
HK$77,650
+HK$4,454/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$146,392/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,625
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,680
−HK$2,084/mo
Today · 4.125%
HK$80,764
baseline
▲ 0.50% · 4.625%
HK$85,022
+HK$4,258/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$161,528/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,285 · Scale 2, in force from 26 Feb 2026)