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$38,274
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,465
−HK$1,209/mo
Today · 4.125%
HK$40,674
baseline
▲ 0.50% · 4.625%
HK$43,149
+HK$2,475/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,348/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,580
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,722
−HK$1,158/mo
Today · 4.125%
HK$44,880
baseline
▲ 0.50% · 4.625%
HK$47,246
+HK$2,366/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,760/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,929
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,358
−HK$1,451/mo
Today · 4.125%
HK$48,809
baseline
▲ 0.50% · 4.625%
HK$51,779
+HK$2,970/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,618/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,096
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,466
−HK$1,390/mo
Today · 4.125%
HK$53,856
baseline
▲ 0.50% · 4.625%
HK$56,695
+HK$2,839/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,712/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,584
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,251
−HK$1,693/mo
Today · 4.125%
HK$56,944
baseline
▲ 0.50% · 4.625%
HK$60,409
+HK$3,465/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$113,888/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,612
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,210
−HK$1,622/mo
Today · 4.125%
HK$62,832
baseline
▲ 0.50% · 4.625%
HK$66,144
+HK$3,312/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,664/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,894
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,037
−HK$2,177/mo
Today · 4.125%
HK$73,214
baseline
▲ 0.50% · 4.625%
HK$77,669
+HK$4,455/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,428/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,644
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,699
−HK$2,085/mo
Today · 4.125%
HK$80,784
baseline
▲ 0.50% · 4.625%
HK$85,043
+HK$4,259/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,568/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,441 · Scale 2, in force from 26 Feb 2026)