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$38,376
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,569
−HK$1,213/mo
Today · 4.125%
HK$40,782
baseline
▲ 0.50% · 4.625%
HK$43,264
+HK$2,482/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,564/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,693
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,838
−HK$1,161/mo
Today · 4.125%
HK$44,999
baseline
▲ 0.50% · 4.625%
HK$47,371
+HK$2,372/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,998/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,051
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,483
−HK$1,456/mo
Today · 4.125%
HK$48,939
baseline
▲ 0.50% · 4.625%
HK$51,916
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,878/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,231
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,605
−HK$1,394/mo
Today · 4.125%
HK$53,999
baseline
▲ 0.50% · 4.625%
HK$56,845
+HK$2,846/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$107,998/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,726
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,397
−HK$1,698/mo
Today · 4.125%
HK$57,095
baseline
▲ 0.50% · 4.625%
HK$60,569
+HK$3,474/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,190/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,770
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,373
−HK$1,626/mo
Today · 4.125%
HK$62,999
baseline
▲ 0.50% · 4.625%
HK$66,319
+HK$3,320/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,998/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,076
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,225
−HK$2,183/mo
Today · 4.125%
HK$73,408
baseline
▲ 0.50% · 4.625%
HK$77,875
+HK$4,467/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,816/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,847
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,908
−HK$2,090/mo
Today · 4.125%
HK$80,998
baseline
▲ 0.50% · 4.625%
HK$85,268
+HK$4,270/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$161,996/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,108 · Scale 2, in force from 26 Feb 2026)