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$38,479
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,676
−HK$1,216/mo
Today · 4.125%
HK$40,892
baseline
▲ 0.50% · 4.625%
HK$43,380
+HK$2,488/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,784/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,807
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,955
−HK$1,165/mo
Today · 4.125%
HK$45,120
baseline
▲ 0.50% · 4.625%
HK$47,498
+HK$2,378/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,240/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,174
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,611
−HK$1,459/mo
Today · 4.125%
HK$49,070
baseline
▲ 0.50% · 4.625%
HK$52,056
+HK$2,986/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,140/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,369
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,746
−HK$1,398/mo
Today · 4.125%
HK$54,144
baseline
▲ 0.50% · 4.625%
HK$56,998
+HK$2,854/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,288/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,870
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,546
−HK$1,702/mo
Today · 4.125%
HK$57,248
baseline
▲ 0.50% · 4.625%
HK$60,732
+HK$3,484/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,496/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,930
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,537
−HK$1,631/mo
Today · 4.125%
HK$63,168
baseline
▲ 0.50% · 4.625%
HK$66,497
+HK$3,329/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,336/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,262
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,416
−HK$2,189/mo
Today · 4.125%
HK$73,605
baseline
▲ 0.50% · 4.625%
HK$78,084
+HK$4,479/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,210/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,053
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,119
−HK$2,097/mo
Today · 4.125%
HK$81,216
baseline
▲ 0.50% · 4.625%
HK$85,497
+HK$4,281/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,432/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,802 · Scale 2, in force from 26 Feb 2026)