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$38,332
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,525
−HK$1,211/mo
Today · 4.125%
HK$40,736
baseline
▲ 0.50% · 4.625%
HK$43,215
+HK$2,479/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,472/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,644
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,788
−HK$1,160/mo
Today · 4.125%
HK$44,948
baseline
▲ 0.50% · 4.625%
HK$47,318
+HK$2,370/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,896/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,999
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,430
−HK$1,453/mo
Today · 4.125%
HK$48,883
baseline
▲ 0.50% · 4.625%
HK$51,858
+HK$2,975/mo
Deposit HK$6.72M · loan HK$10.09M · min. income ≈ HK$97,766/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,173
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,546
−HK$1,392/mo
Today · 4.125%
HK$53,938
baseline
▲ 0.50% · 4.625%
HK$56,781
+HK$2,843/mo
Deposit HK$6.72M · loan HK$10.09M · min. income ≈ HK$107,876/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,665
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,335
−HK$1,696/mo
Today · 4.125%
HK$57,031
baseline
▲ 0.50% · 4.625%
HK$60,501
+HK$3,470/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,062/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,702
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,303
−HK$1,625/mo
Today · 4.125%
HK$62,928
baseline
▲ 0.50% · 4.625%
HK$66,245
+HK$3,317/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,856/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,998
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,145
−HK$2,180/mo
Today · 4.125%
HK$73,325
baseline
▲ 0.50% · 4.625%
HK$77,787
+HK$4,462/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,650/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,760
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,819
−HK$2,088/mo
Today · 4.125%
HK$80,907
baseline
▲ 0.50% · 4.625%
HK$85,172
+HK$4,265/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,814/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,397 · Scale 2, in force from 26 Feb 2026)