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$38,505
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,703
−HK$1,216/mo
Today · 4.125%
HK$40,919
baseline
▲ 0.50% · 4.625%
HK$43,409
+HK$2,490/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,838/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,836
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,985
−HK$1,166/mo
Today · 4.125%
HK$45,151
baseline
▲ 0.50% · 4.625%
HK$47,530
+HK$2,379/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,302/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,206
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,643
−HK$1,460/mo
Today · 4.125%
HK$49,103
baseline
▲ 0.50% · 4.625%
HK$52,091
+HK$2,988/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,206/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,403
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,782
−HK$1,399/mo
Today · 4.125%
HK$54,181
baseline
▲ 0.50% · 4.625%
HK$57,037
+HK$2,856/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,362/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,907
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,584
−HK$1,703/mo
Today · 4.125%
HK$57,287
baseline
▲ 0.50% · 4.625%
HK$60,773
+HK$3,486/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,574/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,971
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,579
−HK$1,632/mo
Today · 4.125%
HK$63,211
baseline
▲ 0.50% · 4.625%
HK$66,543
+HK$3,332/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,422/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,309
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,465
−HK$2,190/mo
Today · 4.125%
HK$73,655
baseline
▲ 0.50% · 4.625%
HK$78,137
+HK$4,482/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,310/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,105
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,173
−HK$2,098/mo
Today · 4.125%
HK$81,271
baseline
▲ 0.50% · 4.625%
HK$85,555
+HK$4,284/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,542/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,232 · Scale 2, in force from 26 Feb 2026)