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$38,369
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,563
−HK$1,212/mo
Today · 4.125%
HK$40,775
baseline
▲ 0.50% · 4.625%
HK$43,256
+HK$2,481/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,550/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$631,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,685
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,830
−HK$1,162/mo
Today · 4.125%
HK$44,992
baseline
▲ 0.50% · 4.625%
HK$47,363
+HK$2,371/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,984/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$631,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,043
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,475
−HK$1,455/mo
Today · 4.125%
HK$48,930
baseline
▲ 0.50% · 4.625%
HK$51,908
+HK$2,978/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,860/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,223
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,596
−HK$1,394/mo
Today · 4.125%
HK$53,990
baseline
▲ 0.50% · 4.625%
HK$56,836
+HK$2,846/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$107,980/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,717
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,388
−HK$1,698/mo
Today · 4.125%
HK$57,086
baseline
▲ 0.50% · 4.625%
HK$60,559
+HK$3,473/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,172/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,760
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,362
−HK$1,626/mo
Today · 4.125%
HK$62,988
baseline
▲ 0.50% · 4.625%
HK$66,308
+HK$3,320/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,976/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,065
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,213
−HK$2,183/mo
Today · 4.125%
HK$73,396
baseline
▲ 0.50% · 4.625%
HK$77,862
+HK$4,466/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,792/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,834
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,894
−HK$2,091/mo
Today · 4.125%
HK$80,985
baseline
▲ 0.50% · 4.625%
HK$85,254
+HK$4,269/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,970/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,004 · Scale 2, in force from 26 Feb 2026)