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$38,461
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,657
−HK$1,216/mo
Today · 4.125%
HK$40,873
baseline
▲ 0.50% · 4.625%
HK$43,360
+HK$2,487/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,746/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,787
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,935
−HK$1,164/mo
Today · 4.125%
HK$45,099
baseline
▲ 0.50% · 4.625%
HK$47,476
+HK$2,377/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,198/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,153
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,589
−HK$1,458/mo
Today · 4.125%
HK$49,047
baseline
▲ 0.50% · 4.625%
HK$52,032
+HK$2,985/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,094/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,345
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,722
−HK$1,397/mo
Today · 4.125%
HK$54,119
baseline
▲ 0.50% · 4.625%
HK$56,972
+HK$2,853/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,238/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,845
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,520
−HK$1,702/mo
Today · 4.125%
HK$57,222
baseline
▲ 0.50% · 4.625%
HK$60,704
+HK$3,482/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,444/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,902
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,509
−HK$1,630/mo
Today · 4.125%
HK$63,139
baseline
▲ 0.50% · 4.625%
HK$66,467
+HK$3,328/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,278/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,230
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,383
−HK$2,188/mo
Today · 4.125%
HK$73,571
baseline
▲ 0.50% · 4.625%
HK$78,048
+HK$4,477/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$147,142/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,017
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,083
−HK$2,095/mo
Today · 4.125%
HK$81,178
baseline
▲ 0.50% · 4.625%
HK$85,457
+HK$4,279/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$162,356/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,510 · Scale 2, in force from 26 Feb 2026)