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$38,280
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,471
−HK$1,210/mo
Today · 4.125%
HK$40,681
baseline
▲ 0.50% · 4.625%
HK$43,156
+HK$2,475/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,362/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,587
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,729
−HK$1,158/mo
Today · 4.125%
HK$44,887
baseline
▲ 0.50% · 4.625%
HK$47,254
+HK$2,367/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,774/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,937
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,365
−HK$1,452/mo
Today · 4.125%
HK$48,817
baseline
▲ 0.50% · 4.625%
HK$51,788
+HK$2,971/mo
Deposit HK$6.72M · loan HK$10.07M · min. income ≈ HK$97,634/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,104
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,475
−HK$1,390/mo
Today · 4.125%
HK$53,865
baseline
▲ 0.50% · 4.625%
HK$56,704
+HK$2,839/mo
Deposit HK$6.72M · loan HK$10.07M · min. income ≈ HK$107,730/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,593
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,260
−HK$1,693/mo
Today · 4.125%
HK$56,953
baseline
▲ 0.50% · 4.625%
HK$60,419
+HK$3,466/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$113,906/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,621
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,220
−HK$1,622/mo
Today · 4.125%
HK$62,842
baseline
▲ 0.50% · 4.625%
HK$66,155
+HK$3,313/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,684/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,905
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,048
−HK$2,178/mo
Today · 4.125%
HK$73,226
baseline
▲ 0.50% · 4.625%
HK$77,681
+HK$4,455/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,452/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,656
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,712
−HK$2,085/mo
Today · 4.125%
HK$80,797
baseline
▲ 0.50% · 4.625%
HK$85,056
+HK$4,259/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,594/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,543 · Scale 2, in force from 26 Feb 2026)