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$38,420
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,615
−HK$1,214/mo
Today · 4.125%
HK$40,829
baseline
▲ 0.50% · 4.625%
HK$43,314
+HK$2,485/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,658/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,742
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,888
−HK$1,163/mo
Today · 4.125%
HK$45,051
baseline
▲ 0.50% · 4.625%
HK$47,426
+HK$2,375/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,102/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,104
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,538
−HK$1,457/mo
Today · 4.125%
HK$48,995
baseline
▲ 0.50% · 4.625%
HK$51,976
+HK$2,981/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,990/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,290
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,666
−HK$1,395/mo
Today · 4.125%
HK$54,061
baseline
▲ 0.50% · 4.625%
HK$56,911
+HK$2,850/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,122/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,788
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,461
−HK$1,700/mo
Today · 4.125%
HK$57,161
baseline
▲ 0.50% · 4.625%
HK$60,639
+HK$3,478/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,322/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,839
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,443
−HK$1,628/mo
Today · 4.125%
HK$63,071
baseline
▲ 0.50% · 4.625%
HK$66,396
+HK$3,325/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,142/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,156
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,307
−HK$2,186/mo
Today · 4.125%
HK$73,493
baseline
▲ 0.50% · 4.625%
HK$77,964
+HK$4,471/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,986/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,935
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$78,999
−HK$2,093/mo
Today · 4.125%
HK$81,092
baseline
▲ 0.50% · 4.625%
HK$85,366
+HK$4,274/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,184/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,836 · Scale 2, in force from 26 Feb 2026)