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$38,215
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,403
−HK$1,208/mo
Today · 4.125%
HK$40,611
baseline
▲ 0.50% · 4.625%
HK$43,082
+HK$2,471/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,222/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,513
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,654
−HK$1,156/mo
Today · 4.125%
HK$44,810
baseline
▲ 0.50% · 4.625%
HK$47,172
+HK$2,362/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,620/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,858
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,284
−HK$1,449/mo
Today · 4.125%
HK$48,733
baseline
▲ 0.50% · 4.625%
HK$51,699
+HK$2,966/mo
Deposit HK$6.70M · loan HK$10.06M · min. income ≈ HK$97,466/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,016
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,384
−HK$1,388/mo
Today · 4.125%
HK$53,772
baseline
▲ 0.50% · 4.625%
HK$56,607
+HK$2,835/mo
Deposit HK$6.70M · loan HK$10.06M · min. income ≈ HK$107,544/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,501
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,165
−HK$1,690/mo
Today · 4.125%
HK$56,855
baseline
▲ 0.50% · 4.625%
HK$60,315
+HK$3,460/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,710/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,519
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,115
−HK$1,619/mo
Today · 4.125%
HK$62,734
baseline
▲ 0.50% · 4.625%
HK$66,041
+HK$3,307/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,468/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,786
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,926
−HK$2,174/mo
Today · 4.125%
HK$73,100
baseline
▲ 0.50% · 4.625%
HK$77,548
+HK$4,448/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,200/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,524
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,576
−HK$2,083/mo
Today · 4.125%
HK$80,659
baseline
▲ 0.50% · 4.625%
HK$84,910
+HK$4,251/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,318/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,460 · Scale 2, in force from 26 Feb 2026)