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$38,407
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,601
−HK$1,214/mo
Today · 4.125%
HK$40,815
baseline
▲ 0.50% · 4.625%
HK$43,299
+HK$2,484/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,630/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,727
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,873
−HK$1,163/mo
Today · 4.125%
HK$45,036
baseline
▲ 0.50% · 4.625%
HK$47,409
+HK$2,373/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,072/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,088
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,522
−HK$1,456/mo
Today · 4.125%
HK$48,978
baseline
▲ 0.50% · 4.625%
HK$51,958
+HK$2,980/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,956/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,273
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,648
−HK$1,395/mo
Today · 4.125%
HK$54,043
baseline
▲ 0.50% · 4.625%
HK$56,891
+HK$2,848/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,086/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,769
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,442
−HK$1,699/mo
Today · 4.125%
HK$57,141
baseline
▲ 0.50% · 4.625%
HK$60,618
+HK$3,477/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,282/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,818
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,422
−HK$1,628/mo
Today · 4.125%
HK$63,050
baseline
▲ 0.50% · 4.625%
HK$66,373
+HK$3,323/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,100/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,132
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,283
−HK$2,184/mo
Today · 4.125%
HK$73,467
baseline
▲ 0.50% · 4.625%
HK$77,938
+HK$4,471/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,934/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,909
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,971
−HK$2,093/mo
Today · 4.125%
HK$81,064
baseline
▲ 0.50% · 4.625%
HK$85,337
+HK$4,273/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,128/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,619 · Scale 2, in force from 26 Feb 2026)