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$38,262
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,452
−HK$1,209/mo
Today · 4.125%
HK$40,661
baseline
▲ 0.50% · 4.625%
HK$43,135
+HK$2,474/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,322/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,566
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,707
−HK$1,159/mo
Today · 4.125%
HK$44,866
baseline
▲ 0.50% · 4.625%
HK$47,230
+HK$2,364/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,732/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,914
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,342
−HK$1,451/mo
Today · 4.125%
HK$48,793
baseline
▲ 0.50% · 4.625%
HK$51,762
+HK$2,969/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,586/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,079
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,449
−HK$1,390/mo
Today · 4.125%
HK$53,839
baseline
▲ 0.50% · 4.625%
HK$56,677
+HK$2,838/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,678/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,566
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,233
−HK$1,693/mo
Today · 4.125%
HK$56,926
baseline
▲ 0.50% · 4.625%
HK$60,389
+HK$3,463/mo
Deposit HK$5.03M · loan HK$11.75M · min. income ≈ HK$113,852/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,592
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,190
−HK$1,622/mo
Today · 4.125%
HK$62,812
baseline
▲ 0.50% · 4.625%
HK$66,123
+HK$3,311/mo
Deposit HK$5.03M · loan HK$11.75M · min. income ≈ HK$125,624/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,871
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,013
−HK$2,177/mo
Today · 4.125%
HK$73,190
baseline
▲ 0.50% · 4.625%
HK$77,643
+HK$4,453/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$146,380/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,618
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,673
−HK$2,085/mo
Today · 4.125%
HK$80,758
baseline
▲ 0.50% · 4.625%
HK$85,015
+HK$4,257/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$161,516/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,235 · Scale 2, in force from 26 Feb 2026)