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$38,250
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,440
−HK$1,209/mo
Today · 4.125%
HK$40,649
baseline
▲ 0.50% · 4.625%
HK$43,122
+HK$2,473/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,298/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,553
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,694
−HK$1,158/mo
Today · 4.125%
HK$44,852
baseline
▲ 0.50% · 4.625%
HK$47,216
+HK$2,364/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,704/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,900
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,328
−HK$1,450/mo
Today · 4.125%
HK$48,778
baseline
▲ 0.50% · 4.625%
HK$51,746
+HK$2,968/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,556/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,063
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,433
−HK$1,389/mo
Today · 4.125%
HK$53,822
baseline
▲ 0.50% · 4.625%
HK$56,659
+HK$2,837/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,644/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,550
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,216
−HK$1,692/mo
Today · 4.125%
HK$56,908
baseline
▲ 0.50% · 4.625%
HK$60,371
+HK$3,463/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,816/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,574
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,172
−HK$1,620/mo
Today · 4.125%
HK$62,792
baseline
▲ 0.50% · 4.625%
HK$66,102
+HK$3,310/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,584/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,850
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,992
−HK$2,176/mo
Today · 4.125%
HK$73,168
baseline
▲ 0.50% · 4.625%
HK$77,620
+HK$4,452/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$146,336/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,595
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,649
−HK$2,084/mo
Today · 4.125%
HK$80,733
baseline
▲ 0.50% · 4.625%
HK$84,989
+HK$4,256/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$161,466/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,042 · Scale 2, in force from 26 Feb 2026)