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$38,432
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,628
−HK$1,214/mo
Today · 4.125%
HK$40,842
baseline
▲ 0.50% · 4.625%
HK$43,328
+HK$2,486/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,684/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,756
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,902
−HK$1,163/mo
Today · 4.125%
HK$45,065
baseline
▲ 0.50% · 4.625%
HK$47,441
+HK$2,376/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,130/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,119
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,553
−HK$1,458/mo
Today · 4.125%
HK$49,011
baseline
▲ 0.50% · 4.625%
HK$51,993
+HK$2,982/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$98,022/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$632,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,307
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,683
−HK$1,396/mo
Today · 4.125%
HK$54,079
baseline
▲ 0.50% · 4.625%
HK$56,929
+HK$2,850/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,158/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$632,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,805
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,479
−HK$1,700/mo
Today · 4.125%
HK$57,179
baseline
▲ 0.50% · 4.625%
HK$60,659
+HK$3,480/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,358/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,858
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,463
−HK$1,629/mo
Today · 4.125%
HK$63,092
baseline
▲ 0.50% · 4.625%
HK$66,417
+HK$3,325/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,184/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,178
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,330
−HK$2,186/mo
Today · 4.125%
HK$73,516
baseline
▲ 0.50% · 4.625%
HK$77,990
+HK$4,474/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$147,032/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,960
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,024
−HK$2,094/mo
Today · 4.125%
HK$81,118
baseline
▲ 0.50% · 4.625%
HK$85,394
+HK$4,276/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$162,236/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,040 · Scale 2, in force from 26 Feb 2026)