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$38,281
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,472
−HK$1,210/mo
Today · 4.125%
HK$40,682
baseline
▲ 0.50% · 4.625%
HK$43,157
+HK$2,475/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,364/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,587
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,730
−HK$1,158/mo
Today · 4.125%
HK$44,888
baseline
▲ 0.50% · 4.625%
HK$47,254
+HK$2,366/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,776/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,937
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,366
−HK$1,452/mo
Today · 4.125%
HK$48,818
baseline
▲ 0.50% · 4.625%
HK$51,789
+HK$2,971/mo
Deposit HK$6.72M · loan HK$10.07M · min. income ≈ HK$97,636/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,105
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,475
−HK$1,391/mo
Today · 4.125%
HK$53,866
baseline
▲ 0.50% · 4.625%
HK$56,705
+HK$2,839/mo
Deposit HK$6.72M · loan HK$10.07M · min. income ≈ HK$107,732/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,594
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,261
−HK$1,693/mo
Today · 4.125%
HK$56,954
baseline
▲ 0.50% · 4.625%
HK$60,420
+HK$3,466/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$113,908/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,622
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,221
−HK$1,623/mo
Today · 4.125%
HK$62,844
baseline
▲ 0.50% · 4.625%
HK$66,156
+HK$3,312/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,688/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,906
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,049
−HK$2,178/mo
Today · 4.125%
HK$73,227
baseline
▲ 0.50% · 4.625%
HK$77,683
+HK$4,456/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,454/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,657
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,713
−HK$2,086/mo
Today · 4.125%
HK$80,799
baseline
▲ 0.50% · 4.625%
HK$85,058
+HK$4,259/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,598/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,554 · Scale 2, in force from 26 Feb 2026)