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$38,511
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,709
−HK$1,217/mo
Today · 4.125%
HK$40,926
baseline
▲ 0.50% · 4.625%
HK$43,416
+HK$2,490/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,852/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,843
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,992
−HK$1,166/mo
Today · 4.125%
HK$45,158
baseline
▲ 0.50% · 4.625%
HK$47,538
+HK$2,380/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,316/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,213
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,651
−HK$1,460/mo
Today · 4.125%
HK$49,111
baseline
▲ 0.50% · 4.625%
HK$52,100
+HK$2,989/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$98,222/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,412
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,791
−HK$1,398/mo
Today · 4.125%
HK$54,189
baseline
▲ 0.50% · 4.625%
HK$57,046
+HK$2,857/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$108,378/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,915
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,593
−HK$1,703/mo
Today · 4.125%
HK$57,296
baseline
▲ 0.50% · 4.625%
HK$60,783
+HK$3,487/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,592/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,980
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,589
−HK$1,632/mo
Today · 4.125%
HK$63,221
baseline
▲ 0.50% · 4.625%
HK$66,553
+HK$3,332/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,442/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,320
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,476
−HK$2,191/mo
Today · 4.125%
HK$73,667
baseline
▲ 0.50% · 4.625%
HK$78,149
+HK$4,482/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,334/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,118
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,186
−HK$2,098/mo
Today · 4.125%
HK$81,284
baseline
▲ 0.50% · 4.625%
HK$85,569
+HK$4,285/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,568/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,334 · Scale 2, in force from 26 Feb 2026)