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$38,488
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,685
−HK$1,216/mo
Today · 4.125%
HK$40,901
baseline
▲ 0.50% · 4.625%
HK$43,390
+HK$2,489/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,802/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,817
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,965
−HK$1,165/mo
Today · 4.125%
HK$45,130
baseline
▲ 0.50% · 4.625%
HK$47,509
+HK$2,379/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,260/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,185
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,622
−HK$1,459/mo
Today · 4.125%
HK$49,081
baseline
▲ 0.50% · 4.625%
HK$52,068
+HK$2,987/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,162/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,381
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,759
−HK$1,398/mo
Today · 4.125%
HK$54,157
baseline
▲ 0.50% · 4.625%
HK$57,011
+HK$2,854/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,314/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,883
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,559
−HK$1,703/mo
Today · 4.125%
HK$57,262
baseline
▲ 0.50% · 4.625%
HK$60,746
+HK$3,484/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$114,524/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,944
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,552
−HK$1,631/mo
Today · 4.125%
HK$63,183
baseline
▲ 0.50% · 4.625%
HK$66,513
+HK$3,330/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$126,366/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,278
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,433
−HK$2,189/mo
Today · 4.125%
HK$73,622
baseline
▲ 0.50% · 4.625%
HK$78,102
+HK$4,480/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,244/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,071
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,138
−HK$2,097/mo
Today · 4.125%
HK$81,235
baseline
▲ 0.50% · 4.625%
HK$85,517
+HK$4,282/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,470/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,950 · Scale 2, in force from 26 Feb 2026)