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$38,492
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,690
−HK$1,216/mo
Today · 4.125%
HK$40,906
baseline
▲ 0.50% · 4.625%
HK$43,395
+HK$2,489/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,812/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$633,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,822
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,971
−HK$1,165/mo
Today · 4.125%
HK$45,136
baseline
▲ 0.50% · 4.625%
HK$47,515
+HK$2,379/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,272/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$633,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,191
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,628
−HK$1,459/mo
Today · 4.125%
HK$49,087
baseline
▲ 0.50% · 4.625%
HK$52,074
+HK$2,987/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,174/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,387
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,765
−HK$1,398/mo
Today · 4.125%
HK$54,163
baseline
▲ 0.50% · 4.625%
HK$57,018
+HK$2,855/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,326/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,889
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,565
−HK$1,703/mo
Today · 4.125%
HK$57,268
baseline
▲ 0.50% · 4.625%
HK$60,753
+HK$3,485/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$114,536/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,951
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,559
−HK$1,631/mo
Today · 4.125%
HK$63,190
baseline
▲ 0.50% · 4.625%
HK$66,521
+HK$3,331/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$126,380/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,286
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,441
−HK$2,190/mo
Today · 4.125%
HK$73,631
baseline
▲ 0.50% · 4.625%
HK$78,111
+HK$4,480/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,262/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,080
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,147
−HK$2,097/mo
Today · 4.125%
HK$81,244
baseline
▲ 0.50% · 4.625%
HK$85,527
+HK$4,283/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,488/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,026 · Scale 2, in force from 26 Feb 2026)