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$38,251
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,441
−HK$1,208/mo
Today · 4.125%
HK$40,649
baseline
▲ 0.50% · 4.625%
HK$43,123
+HK$2,474/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$629,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,554
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,695
−HK$1,158/mo
Today · 4.125%
HK$44,853
baseline
▲ 0.50% · 4.625%
HK$47,217
+HK$2,364/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,706/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,901
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,329
−HK$1,450/mo
Today · 4.125%
HK$48,779
baseline
▲ 0.50% · 4.625%
HK$51,747
+HK$2,968/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,558/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,064
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,434
−HK$1,389/mo
Today · 4.125%
HK$53,823
baseline
▲ 0.50% · 4.625%
HK$56,660
+HK$2,837/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,646/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,551
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,217
−HK$1,692/mo
Today · 4.125%
HK$56,909
baseline
▲ 0.50% · 4.625%
HK$60,372
+HK$3,463/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,818/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,575
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,173
−HK$1,621/mo
Today · 4.125%
HK$62,794
baseline
▲ 0.50% · 4.625%
HK$66,104
+HK$3,310/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,588/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,851
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,993
−HK$2,176/mo
Today · 4.125%
HK$73,169
baseline
▲ 0.50% · 4.625%
HK$77,621
+HK$4,452/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$146,338/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,596
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,651
−HK$2,084/mo
Today · 4.125%
HK$80,735
baseline
▲ 0.50% · 4.625%
HK$84,990
+HK$4,255/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$161,470/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,053 · Scale 2, in force from 26 Feb 2026)