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$38,387
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,581
−HK$1,213/mo
Today · 4.125%
HK$40,794
baseline
▲ 0.50% · 4.625%
HK$43,277
+HK$2,483/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,588/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,705
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,851
−HK$1,162/mo
Today · 4.125%
HK$45,013
baseline
▲ 0.50% · 4.625%
HK$47,385
+HK$2,372/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,026/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,065
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,498
−HK$1,455/mo
Today · 4.125%
HK$48,953
baseline
▲ 0.50% · 4.625%
HK$51,932
+HK$2,979/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,906/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,247
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,621
−HK$1,394/mo
Today · 4.125%
HK$54,015
baseline
▲ 0.50% · 4.625%
HK$56,862
+HK$2,847/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$108,030/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,742
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,414
−HK$1,698/mo
Today · 4.125%
HK$57,112
baseline
▲ 0.50% · 4.625%
HK$60,587
+HK$3,475/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,224/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,788
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,391
−HK$1,627/mo
Today · 4.125%
HK$63,018
baseline
▲ 0.50% · 4.625%
HK$66,340
+HK$3,322/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$126,036/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,097
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,246
−HK$2,184/mo
Today · 4.125%
HK$73,430
baseline
▲ 0.50% · 4.625%
HK$77,898
+HK$4,468/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,860/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,870
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,931
−HK$2,092/mo
Today · 4.125%
HK$81,023
baseline
▲ 0.50% · 4.625%
HK$85,294
+HK$4,271/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,046/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,299 · Scale 2, in force from 26 Feb 2026)