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$38,253
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,443
−HK$1,209/mo
Today · 4.125%
HK$40,652
baseline
▲ 0.50% · 4.625%
HK$43,125
+HK$2,473/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,304/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,556
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,697
−HK$1,158/mo
Today · 4.125%
HK$44,855
baseline
▲ 0.50% · 4.625%
HK$47,220
+HK$2,365/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,710/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,904
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,331
−HK$1,451/mo
Today · 4.125%
HK$48,782
baseline
▲ 0.50% · 4.625%
HK$51,750
+HK$2,968/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,564/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,067
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,437
−HK$1,389/mo
Today · 4.125%
HK$53,826
baseline
▲ 0.50% · 4.625%
HK$56,663
+HK$2,837/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,652/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,554
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,220
−HK$1,692/mo
Today · 4.125%
HK$56,912
baseline
▲ 0.50% · 4.625%
HK$60,375
+HK$3,463/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,824/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,578
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,176
−HK$1,621/mo
Today · 4.125%
HK$62,797
baseline
▲ 0.50% · 4.625%
HK$66,107
+HK$3,310/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,594/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,855
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,997
−HK$2,176/mo
Today · 4.125%
HK$73,173
baseline
▲ 0.50% · 4.625%
HK$77,626
+HK$4,453/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$146,346/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,601
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,655
−HK$2,084/mo
Today · 4.125%
HK$80,739
baseline
▲ 0.50% · 4.625%
HK$84,995
+HK$4,256/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$161,478/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,090 · Scale 2, in force from 26 Feb 2026)