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$38,395
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,589
−HK$1,214/mo
Today · 4.125%
HK$40,803
baseline
▲ 0.50% · 4.625%
HK$43,285
+HK$2,482/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,606/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,714
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,860
−HK$1,162/mo
Today · 4.125%
HK$45,022
baseline
▲ 0.50% · 4.625%
HK$47,395
+HK$2,373/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,044/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,074
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,507
−HK$1,456/mo
Today · 4.125%
HK$48,963
baseline
▲ 0.50% · 4.625%
HK$51,942
+HK$2,979/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$97,926/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,257
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,631
−HK$1,395/mo
Today · 4.125%
HK$54,026
baseline
▲ 0.50% · 4.625%
HK$56,874
+HK$2,848/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$108,052/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,753
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,425
−HK$1,699/mo
Today · 4.125%
HK$57,124
baseline
▲ 0.50% · 4.625%
HK$60,600
+HK$3,476/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,248/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,800
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,403
−HK$1,627/mo
Today · 4.125%
HK$63,030
baseline
▲ 0.50% · 4.625%
HK$66,353
+HK$3,323/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,060/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,111
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,261
−HK$2,184/mo
Today · 4.125%
HK$73,445
baseline
▲ 0.50% · 4.625%
HK$77,914
+HK$4,469/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,890/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,885
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,947
−HK$2,092/mo
Today · 4.125%
HK$81,039
baseline
▲ 0.50% · 4.625%
HK$85,311
+HK$4,272/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,078/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,426 · Scale 2, in force from 26 Feb 2026)