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$38,276
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,467
−HK$1,209/mo
Today · 4.125%
HK$40,676
baseline
▲ 0.50% · 4.625%
HK$43,151
+HK$2,475/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,352/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,582
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,724
−HK$1,158/mo
Today · 4.125%
HK$44,882
baseline
▲ 0.50% · 4.625%
HK$47,248
+HK$2,366/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,764/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,931
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,360
−HK$1,451/mo
Today · 4.125%
HK$48,811
baseline
▲ 0.50% · 4.625%
HK$51,781
+HK$2,970/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,622/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,098
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,468
−HK$1,391/mo
Today · 4.125%
HK$53,859
baseline
▲ 0.50% · 4.625%
HK$56,698
+HK$2,839/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,718/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,586
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,253
−HK$1,694/mo
Today · 4.125%
HK$56,947
baseline
▲ 0.50% · 4.625%
HK$60,412
+HK$3,465/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$113,894/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,614
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,213
−HK$1,622/mo
Today · 4.125%
HK$62,835
baseline
▲ 0.50% · 4.625%
HK$66,147
+HK$3,312/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,670/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,897
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,040
−HK$2,177/mo
Today · 4.125%
HK$73,217
baseline
▲ 0.50% · 4.625%
HK$77,672
+HK$4,455/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,434/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,647
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,702
−HK$2,086/mo
Today · 4.125%
HK$80,788
baseline
▲ 0.50% · 4.625%
HK$85,046
+HK$4,258/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,576/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,468 · Scale 2, in force from 26 Feb 2026)