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$38,389
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,583
−HK$1,213/mo
Today · 4.125%
HK$40,796
baseline
▲ 0.50% · 4.625%
HK$43,278
+HK$2,482/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,592/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,707
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,852
−HK$1,162/mo
Today · 4.125%
HK$45,014
baseline
▲ 0.50% · 4.625%
HK$47,387
+HK$2,373/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,028/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,066
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,499
−HK$1,456/mo
Today · 4.125%
HK$48,955
baseline
▲ 0.50% · 4.625%
HK$51,934
+HK$2,979/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,910/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,248
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,623
−HK$1,394/mo
Today · 4.125%
HK$54,017
baseline
▲ 0.50% · 4.625%
HK$56,864
+HK$2,847/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$108,034/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,744
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,416
−HK$1,698/mo
Today · 4.125%
HK$57,114
baseline
▲ 0.50% · 4.625%
HK$60,589
+HK$3,475/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,228/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,790
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,393
−HK$1,627/mo
Today · 4.125%
HK$63,020
baseline
▲ 0.50% · 4.625%
HK$66,342
+HK$3,322/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$126,040/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,099
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,249
−HK$2,184/mo
Today · 4.125%
HK$73,433
baseline
▲ 0.50% · 4.625%
HK$77,901
+HK$4,468/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,866/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,872
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,934
−HK$2,092/mo
Today · 4.125%
HK$81,026
baseline
▲ 0.50% · 4.625%
HK$85,297
+HK$4,271/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,052/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,320 · Scale 2, in force from 26 Feb 2026)