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$38,504
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,702
−HK$1,217/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$633,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,836
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,984
−HK$1,166/mo
Today · 4.125%
HK$45,150
baseline
▲ 0.50% · 4.625%
HK$47,530
+HK$2,380/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,300/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,205
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,642
−HK$1,461/mo
Today · 4.125%
HK$49,103
baseline
▲ 0.50% · 4.625%
HK$52,090
+HK$2,987/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$633,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,403
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,781
−HK$1,399/mo
Today · 4.125%
HK$54,180
baseline
▲ 0.50% · 4.625%
HK$57,036
+HK$2,856/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,360/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,906
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,583
−HK$1,703/mo
Today · 4.125%
HK$57,286
baseline
▲ 0.50% · 4.625%
HK$60,772
+HK$3,486/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,572/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,970
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,578
−HK$1,632/mo
Today · 4.125%
HK$63,210
baseline
▲ 0.50% · 4.625%
HK$66,542
+HK$3,332/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,420/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,308
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,463
−HK$2,191/mo
Today · 4.125%
HK$73,654
baseline
▲ 0.50% · 4.625%
HK$78,135
+HK$4,481/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,308/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,104
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,172
−HK$2,098/mo
Today · 4.125%
HK$81,270
baseline
▲ 0.50% · 4.625%
HK$85,554
+HK$4,284/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,540/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,222 · Scale 2, in force from 26 Feb 2026)