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$38,404
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,599
−HK$1,214/mo
Today · 4.125%
HK$40,813
baseline
▲ 0.50% · 4.625%
HK$43,296
+HK$2,483/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,626/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,724
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,870
−HK$1,163/mo
Today · 4.125%
HK$45,033
baseline
▲ 0.50% · 4.625%
HK$47,406
+HK$2,373/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,066/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,085
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,519
−HK$1,456/mo
Today · 4.125%
HK$48,975
baseline
▲ 0.50% · 4.625%
HK$51,955
+HK$2,980/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,950/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,269
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,644
−HK$1,395/mo
Today · 4.125%
HK$54,039
baseline
▲ 0.50% · 4.625%
HK$56,888
+HK$2,849/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,078/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,766
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,439
−HK$1,699/mo
Today · 4.125%
HK$57,138
baseline
▲ 0.50% · 4.625%
HK$60,614
+HK$3,476/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,276/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,814
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,418
−HK$1,628/mo
Today · 4.125%
HK$63,046
baseline
▲ 0.50% · 4.625%
HK$66,369
+HK$3,323/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,092/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,128
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,278
−HK$2,185/mo
Today · 4.125%
HK$73,463
baseline
▲ 0.50% · 4.625%
HK$77,933
+HK$4,470/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,926/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,904
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,967
−HK$2,092/mo
Today · 4.125%
HK$81,059
baseline
▲ 0.50% · 4.625%
HK$85,332
+HK$4,273/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,118/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,580 · Scale 2, in force from 26 Feb 2026)