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$38,530
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,728
−HK$1,218/mo
Today · 4.125%
HK$40,946
baseline
▲ 0.50% · 4.625%
HK$43,437
+HK$2,491/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,892/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,864
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,014
−HK$1,166/mo
Today · 4.125%
HK$45,180
baseline
▲ 0.50% · 4.625%
HK$47,561
+HK$2,381/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,360/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,236
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,674
−HK$1,461/mo
Today · 4.125%
HK$49,135
baseline
▲ 0.50% · 4.625%
HK$52,125
+HK$2,990/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,270/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,437
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,816
−HK$1,400/mo
Today · 4.125%
HK$54,216
baseline
▲ 0.50% · 4.625%
HK$57,074
+HK$2,858/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,432/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,942
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,620
−HK$1,704/mo
Today · 4.125%
HK$57,324
baseline
▲ 0.50% · 4.625%
HK$60,812
+HK$3,488/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,648/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,010
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,619
−HK$1,633/mo
Today · 4.125%
HK$63,252
baseline
▲ 0.50% · 4.625%
HK$66,586
+HK$3,334/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,504/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,354
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,511
−HK$2,192/mo
Today · 4.125%
HK$73,703
baseline
▲ 0.50% · 4.625%
HK$78,187
+HK$4,484/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,406/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,155
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,225
−HK$2,099/mo
Today · 4.125%
HK$81,324
baseline
▲ 0.50% · 4.625%
HK$85,610
+HK$4,286/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,648/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,643 · Scale 2, in force from 26 Feb 2026)