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$38,493
−HK$2,413/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$633,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,823
−HK$2,313/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$633,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,191
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,628
−HK$1,460/mo
Today · 4.125%
HK$49,088
baseline
▲ 0.50% · 4.625%
HK$52,074
+HK$2,986/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,176/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,030 · 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$633,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,890
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,566
−HK$1,703/mo
Today · 4.125%
HK$57,269
baseline
▲ 0.50% · 4.625%
HK$60,754
+HK$3,485/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$114,538/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,952
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,559
−HK$1,632/mo
Today · 4.125%
HK$63,191
baseline
▲ 0.50% · 4.625%
HK$66,521
+HK$3,330/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$126,382/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,287
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,442
−HK$2,189/mo
Today · 4.125%
HK$73,631
baseline
▲ 0.50% · 4.625%
HK$78,112
+HK$4,481/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$633,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,081
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,148
−HK$2,097/mo
Today · 4.125%
HK$81,245
baseline
▲ 0.50% · 4.625%
HK$85,528
+HK$4,283/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,490/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,030 · Scale 2, in force from 26 Feb 2026)