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$38,423
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,618
−HK$1,214/mo
Today · 4.125%
HK$40,832
baseline
▲ 0.50% · 4.625%
HK$43,317
+HK$2,485/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,664/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,745
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,892
−HK$1,163/mo
Today · 4.125%
HK$45,055
baseline
▲ 0.50% · 4.625%
HK$47,429
+HK$2,374/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,110/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,108
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,542
−HK$1,457/mo
Today · 4.125%
HK$48,999
baseline
▲ 0.50% · 4.625%
HK$51,980
+HK$2,981/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,998/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,294
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,670
−HK$1,395/mo
Today · 4.125%
HK$54,065
baseline
▲ 0.50% · 4.625%
HK$56,915
+HK$2,850/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,130/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,792
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,465
−HK$1,700/mo
Today · 4.125%
HK$57,165
baseline
▲ 0.50% · 4.625%
HK$60,644
+HK$3,479/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,330/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,843
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,448
−HK$1,628/mo
Today · 4.125%
HK$63,076
baseline
▲ 0.50% · 4.625%
HK$66,401
+HK$3,325/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,152/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,161
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,313
−HK$2,185/mo
Today · 4.125%
HK$73,498
baseline
▲ 0.50% · 4.625%
HK$77,971
+HK$4,473/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$146,996/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,941
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,005
−HK$2,093/mo
Today · 4.125%
HK$81,098
baseline
▲ 0.50% · 4.625%
HK$85,373
+HK$4,275/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$162,196/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,886 · Scale 2, in force from 26 Feb 2026)