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$38,474
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,670
−HK$1,216/mo
Today · 4.125%
HK$40,886
baseline
▲ 0.50% · 4.625%
HK$43,374
+HK$2,488/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,772/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,801
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,949
−HK$1,165/mo
Today · 4.125%
HK$45,114
baseline
▲ 0.50% · 4.625%
HK$47,492
+HK$2,378/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,228/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,168
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,604
−HK$1,459/mo
Today · 4.125%
HK$49,063
baseline
▲ 0.50% · 4.625%
HK$52,049
+HK$2,986/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,126/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,362
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,739
−HK$1,398/mo
Today · 4.125%
HK$54,137
baseline
▲ 0.50% · 4.625%
HK$56,990
+HK$2,853/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,274/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,863
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,538
−HK$1,703/mo
Today · 4.125%
HK$57,241
baseline
▲ 0.50% · 4.625%
HK$60,724
+HK$3,483/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,482/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,922
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,529
−HK$1,630/mo
Today · 4.125%
HK$63,159
baseline
▲ 0.50% · 4.625%
HK$66,489
+HK$3,330/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,318/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,252
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,406
−HK$2,189/mo
Today · 4.125%
HK$73,595
baseline
▲ 0.50% · 4.625%
HK$78,073
+HK$4,478/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,190/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,043
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,109
−HK$2,096/mo
Today · 4.125%
HK$81,205
baseline
▲ 0.50% · 4.625%
HK$85,485
+HK$4,280/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,410/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,717 · Scale 2, in force from 26 Feb 2026)