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$38,249
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,439
−HK$1,208/mo
Today · 4.125%
HK$40,647
baseline
▲ 0.50% · 4.625%
HK$43,121
+HK$2,474/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,294/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,552
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,693
−HK$1,157/mo
Today · 4.125%
HK$44,850
baseline
▲ 0.50% · 4.625%
HK$47,215
+HK$2,365/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,700/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,899
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,326
−HK$1,451/mo
Today · 4.125%
HK$48,777
baseline
▲ 0.50% · 4.625%
HK$51,745
+HK$2,968/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,554/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,062
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,431
−HK$1,390/mo
Today · 4.125%
HK$53,821
baseline
▲ 0.50% · 4.625%
HK$56,657
+HK$2,836/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,642/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,548
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,214
−HK$1,692/mo
Today · 4.125%
HK$56,906
baseline
▲ 0.50% · 4.625%
HK$60,369
+HK$3,463/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,812/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,572
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,170
−HK$1,621/mo
Today · 4.125%
HK$62,791
baseline
▲ 0.50% · 4.625%
HK$66,100
+HK$3,309/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,582/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,848
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,990
−HK$2,175/mo
Today · 4.125%
HK$73,165
baseline
▲ 0.50% · 4.625%
HK$77,617
+HK$4,452/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$146,330/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,593
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,647
−HK$2,084/mo
Today · 4.125%
HK$80,731
baseline
▲ 0.50% · 4.625%
HK$84,986
+HK$4,255/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$161,462/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,023 · Scale 2, in force from 26 Feb 2026)