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$38,437
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,633
−HK$1,215/mo
Today · 4.125%
HK$40,848
baseline
▲ 0.50% · 4.625%
HK$43,333
+HK$2,485/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,696/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,761
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,908
−HK$1,163/mo
Today · 4.125%
HK$45,071
baseline
▲ 0.50% · 4.625%
HK$47,447
+HK$2,376/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,142/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,125
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,559
−HK$1,458/mo
Today · 4.125%
HK$49,017
baseline
▲ 0.50% · 4.625%
HK$52,000
+HK$2,983/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$98,034/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$632,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,313
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,689
−HK$1,397/mo
Today · 4.125%
HK$54,086
baseline
▲ 0.50% · 4.625%
HK$56,936
+HK$2,850/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,172/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$632,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,812
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,486
−HK$1,701/mo
Today · 4.125%
HK$57,187
baseline
▲ 0.50% · 4.625%
HK$60,666
+HK$3,479/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,374/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,865
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,471
−HK$1,629/mo
Today · 4.125%
HK$63,100
baseline
▲ 0.50% · 4.625%
HK$66,426
+HK$3,326/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,200/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,187
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,339
−HK$2,187/mo
Today · 4.125%
HK$73,526
baseline
▲ 0.50% · 4.625%
HK$78,000
+HK$4,474/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$147,052/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,970
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,034
−HK$2,094/mo
Today · 4.125%
HK$81,128
baseline
▲ 0.50% · 4.625%
HK$85,405
+HK$4,277/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$162,256/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,121 · Scale 2, in force from 26 Feb 2026)