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$38,475
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,671
−HK$1,216/mo
Today · 4.125%
HK$40,887
baseline
▲ 0.50% · 4.625%
HK$43,375
+HK$2,488/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,774/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,803
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,951
−HK$1,164/mo
Today · 4.125%
HK$45,115
baseline
▲ 0.50% · 4.625%
HK$47,493
+HK$2,378/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,230/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,170
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,606
−HK$1,459/mo
Today · 4.125%
HK$49,065
baseline
▲ 0.50% · 4.625%
HK$52,050
+HK$2,985/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,130/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,363
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,741
−HK$1,397/mo
Today · 4.125%
HK$54,138
baseline
▲ 0.50% · 4.625%
HK$56,992
+HK$2,854/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,276/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,865
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,540
−HK$1,702/mo
Today · 4.125%
HK$57,242
baseline
▲ 0.50% · 4.625%
HK$60,725
+HK$3,483/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,484/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,924
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,531
−HK$1,630/mo
Today · 4.125%
HK$63,161
baseline
▲ 0.50% · 4.625%
HK$66,491
+HK$3,330/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,322/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,254
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,409
−HK$2,188/mo
Today · 4.125%
HK$73,597
baseline
▲ 0.50% · 4.625%
HK$78,075
+HK$4,478/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,194/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,045
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,111
−HK$2,096/mo
Today · 4.125%
HK$81,207
baseline
▲ 0.50% · 4.625%
HK$85,488
+HK$4,281/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,414/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,736 · Scale 2, in force from 26 Feb 2026)