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$38,372
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,565
−HK$1,213/mo
Today · 4.125%
HK$40,778
baseline
▲ 0.50% · 4.625%
HK$43,259
+HK$2,481/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,556/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$631,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,688
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,833
−HK$1,162/mo
Today · 4.125%
HK$44,995
baseline
▲ 0.50% · 4.625%
HK$47,366
+HK$2,371/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,990/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$631,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,046
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,478
−HK$1,456/mo
Today · 4.125%
HK$48,934
baseline
▲ 0.50% · 4.625%
HK$51,911
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,868/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,226
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,600
−HK$1,393/mo
Today · 4.125%
HK$53,993
baseline
▲ 0.50% · 4.625%
HK$56,839
+HK$2,846/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$107,986/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,720
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,391
−HK$1,698/mo
Today · 4.125%
HK$57,089
baseline
▲ 0.50% · 4.625%
HK$60,563
+HK$3,474/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,178/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,763
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,366
−HK$1,626/mo
Today · 4.125%
HK$62,992
baseline
▲ 0.50% · 4.625%
HK$66,313
+HK$3,321/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,984/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,069
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,218
−HK$2,182/mo
Today · 4.125%
HK$73,400
baseline
▲ 0.50% · 4.625%
HK$77,867
+HK$4,467/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,800/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,839
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,900
−HK$2,090/mo
Today · 4.125%
HK$80,990
baseline
▲ 0.50% · 4.625%
HK$85,259
+HK$4,269/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$161,980/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,044 · Scale 2, in force from 26 Feb 2026)