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$38,410
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,604
−HK$1,214/mo
Today · 4.125%
HK$40,818
baseline
▲ 0.50% · 4.625%
HK$43,302
+HK$2,484/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,636/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,730
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,876
−HK$1,163/mo
Today · 4.125%
HK$45,039
baseline
▲ 0.50% · 4.625%
HK$47,413
+HK$2,374/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,078/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,092
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,525
−HK$1,457/mo
Today · 4.125%
HK$48,982
baseline
▲ 0.50% · 4.625%
HK$51,962
+HK$2,980/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,964/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,276
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,652
−HK$1,395/mo
Today · 4.125%
HK$54,047
baseline
▲ 0.50% · 4.625%
HK$56,896
+HK$2,849/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,094/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,774
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,446
−HK$1,700/mo
Today · 4.125%
HK$57,146
baseline
▲ 0.50% · 4.625%
HK$60,623
+HK$3,477/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,292/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,823
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,427
−HK$1,628/mo
Today · 4.125%
HK$63,055
baseline
▲ 0.50% · 4.625%
HK$66,378
+HK$3,323/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,110/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,137
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,288
−HK$2,185/mo
Today · 4.125%
HK$73,473
baseline
▲ 0.50% · 4.625%
HK$77,944
+HK$4,471/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,946/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,915
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,978
−HK$2,092/mo
Today · 4.125%
HK$81,070
baseline
▲ 0.50% · 4.625%
HK$85,343
+HK$4,273/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,140/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,668 · Scale 2, in force from 26 Feb 2026)