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$38,348
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,540
−HK$1,212/mo
Today · 4.125%
HK$40,752
baseline
▲ 0.50% · 4.625%
HK$43,232
+HK$2,480/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,504/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,661
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,805
−HK$1,161/mo
Today · 4.125%
HK$44,966
baseline
▲ 0.50% · 4.625%
HK$47,336
+HK$2,370/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,932/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,017
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,448
−HK$1,455/mo
Today · 4.125%
HK$48,903
baseline
▲ 0.50% · 4.625%
HK$51,878
+HK$2,975/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,806/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,193
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,566
−HK$1,393/mo
Today · 4.125%
HK$53,959
baseline
▲ 0.50% · 4.625%
HK$56,804
+HK$2,845/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,918/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,687
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,357
−HK$1,696/mo
Today · 4.125%
HK$57,053
baseline
▲ 0.50% · 4.625%
HK$60,525
+HK$3,472/mo
Deposit HK$5.05M · loan HK$11.77M · min. income ≈ HK$114,106/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,726
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,328
−HK$1,625/mo
Today · 4.125%
HK$62,953
baseline
▲ 0.50% · 4.625%
HK$66,271
+HK$3,318/mo
Deposit HK$5.05M · loan HK$11.77M · min. income ≈ HK$125,906/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,026
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,173
−HK$2,181/mo
Today · 4.125%
HK$73,354
baseline
▲ 0.50% · 4.625%
HK$77,817
+HK$4,463/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,708/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,790
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,850
−HK$2,089/mo
Today · 4.125%
HK$80,939
baseline
▲ 0.50% · 4.625%
HK$85,205
+HK$4,266/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,878/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,646 · Scale 2, in force from 26 Feb 2026)