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$38,483
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,680
−HK$1,216/mo
Today · 4.125%
HK$40,896
baseline
▲ 0.50% · 4.625%
HK$43,384
+HK$2,488/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,792/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,812
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,960
−HK$1,164/mo
Today · 4.125%
HK$45,124
baseline
▲ 0.50% · 4.625%
HK$47,503
+HK$2,379/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,248/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,179
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,616
−HK$1,459/mo
Today · 4.125%
HK$49,075
baseline
▲ 0.50% · 4.625%
HK$52,061
+HK$2,986/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,150/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,374
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,752
−HK$1,397/mo
Today · 4.125%
HK$54,149
baseline
▲ 0.50% · 4.625%
HK$57,004
+HK$2,855/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,298/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,876
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,551
−HK$1,703/mo
Today · 4.125%
HK$57,254
baseline
▲ 0.50% · 4.625%
HK$60,738
+HK$3,484/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,508/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,936
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,544
−HK$1,630/mo
Today · 4.125%
HK$63,174
baseline
▲ 0.50% · 4.625%
HK$66,504
+HK$3,330/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,348/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,269
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,423
−HK$2,189/mo
Today · 4.125%
HK$73,612
baseline
▲ 0.50% · 4.625%
HK$78,092
+HK$4,480/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,224/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,061
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,127
−HK$2,097/mo
Today · 4.125%
HK$81,224
baseline
▲ 0.50% · 4.625%
HK$85,506
+HK$4,282/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,448/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,867 · Scale 2, in force from 26 Feb 2026)