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$38,270
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,461
−HK$1,209/mo
Today · 4.125%
HK$40,670
baseline
▲ 0.50% · 4.625%
HK$43,145
+HK$2,475/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,340/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,575
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,717
−HK$1,159/mo
Today · 4.125%
HK$44,876
baseline
▲ 0.50% · 4.625%
HK$47,241
+HK$2,365/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,752/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,924
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,353
−HK$1,451/mo
Today · 4.125%
HK$48,804
baseline
▲ 0.50% · 4.625%
HK$51,774
+HK$2,970/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,608/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,090
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,461
−HK$1,390/mo
Today · 4.125%
HK$53,851
baseline
▲ 0.50% · 4.625%
HK$56,689
+HK$2,838/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,702/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,578
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,245
−HK$1,693/mo
Today · 4.125%
HK$56,938
baseline
▲ 0.50% · 4.625%
HK$60,403
+HK$3,465/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$113,876/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,606
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,204
−HK$1,622/mo
Today · 4.125%
HK$62,826
baseline
▲ 0.50% · 4.625%
HK$66,137
+HK$3,311/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,652/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,887
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,029
−HK$2,177/mo
Today · 4.125%
HK$73,206
baseline
▲ 0.50% · 4.625%
HK$77,661
+HK$4,455/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,412/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,636
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,691
−HK$2,085/mo
Today · 4.125%
HK$80,776
baseline
▲ 0.50% · 4.625%
HK$85,034
+HK$4,258/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,552/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,376 · Scale 2, in force from 26 Feb 2026)