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$38,261
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,451
−HK$1,209/mo
Today · 4.125%
HK$40,660
baseline
▲ 0.50% · 4.625%
HK$43,134
+HK$2,474/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,320/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,565
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,707
−HK$1,158/mo
Today · 4.125%
HK$44,865
baseline
▲ 0.50% · 4.625%
HK$47,230
+HK$2,365/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,730/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,913
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,341
−HK$1,451/mo
Today · 4.125%
HK$48,792
baseline
▲ 0.50% · 4.625%
HK$51,761
+HK$2,969/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,584/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,078
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,448
−HK$1,390/mo
Today · 4.125%
HK$53,838
baseline
▲ 0.50% · 4.625%
HK$56,675
+HK$2,837/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,676/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,565
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,232
−HK$1,692/mo
Today · 4.125%
HK$56,924
baseline
▲ 0.50% · 4.625%
HK$60,388
+HK$3,464/mo
Deposit HK$5.03M · loan HK$11.75M · min. income ≈ HK$113,848/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,591
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,189
−HK$1,622/mo
Today · 4.125%
HK$62,811
baseline
▲ 0.50% · 4.625%
HK$66,121
+HK$3,310/mo
Deposit HK$5.03M · loan HK$11.75M · min. income ≈ HK$125,622/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,870
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,012
−HK$2,177/mo
Today · 4.125%
HK$73,189
baseline
▲ 0.50% · 4.625%
HK$77,642
+HK$4,453/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$146,378/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,617
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,672
−HK$2,084/mo
Today · 4.125%
HK$80,756
baseline
▲ 0.50% · 4.625%
HK$85,013
+HK$4,257/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$161,512/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,223 · Scale 2, in force from 26 Feb 2026)