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$38,381
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,575
−HK$1,213/mo
Today · 4.125%
HK$40,788
baseline
▲ 0.50% · 4.625%
HK$43,269
+HK$2,481/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,576/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,698
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,843
−HK$1,162/mo
Today · 4.125%
HK$45,005
baseline
▲ 0.50% · 4.625%
HK$47,377
+HK$2,372/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,010/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,057
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,489
−HK$1,456/mo
Today · 4.125%
HK$48,945
baseline
▲ 0.50% · 4.625%
HK$51,923
+HK$2,978/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,890/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,238
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,612
−HK$1,394/mo
Today · 4.125%
HK$54,006
baseline
▲ 0.50% · 4.625%
HK$56,853
+HK$2,847/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$108,012/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,733
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,404
−HK$1,699/mo
Today · 4.125%
HK$57,103
baseline
▲ 0.50% · 4.625%
HK$60,577
+HK$3,474/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,206/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,777
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,381
−HK$1,626/mo
Today · 4.125%
HK$63,007
baseline
▲ 0.50% · 4.625%
HK$66,328
+HK$3,321/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$126,014/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,085
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,234
−HK$2,184/mo
Today · 4.125%
HK$73,418
baseline
▲ 0.50% · 4.625%
HK$77,885
+HK$4,467/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,836/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,857
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,918
−HK$2,091/mo
Today · 4.125%
HK$81,009
baseline
▲ 0.50% · 4.625%
HK$85,279
+HK$4,270/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,018/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,191 · Scale 2, in force from 26 Feb 2026)