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$38,453
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,649
−HK$1,216/mo
Today · 4.125%
HK$40,865
baseline
▲ 0.50% · 4.625%
HK$43,351
+HK$2,486/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,730/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,779
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,926
−HK$1,164/mo
Today · 4.125%
HK$45,090
baseline
▲ 0.50% · 4.625%
HK$47,467
+HK$2,377/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,180/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,144
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,579
−HK$1,458/mo
Today · 4.125%
HK$49,037
baseline
▲ 0.50% · 4.625%
HK$52,021
+HK$2,984/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,074/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,335
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,711
−HK$1,397/mo
Today · 4.125%
HK$54,108
baseline
▲ 0.50% · 4.625%
HK$56,960
+HK$2,852/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,216/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,835
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,509
−HK$1,701/mo
Today · 4.125%
HK$57,210
baseline
▲ 0.50% · 4.625%
HK$60,692
+HK$3,482/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,420/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,890
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,497
−HK$1,629/mo
Today · 4.125%
HK$63,126
baseline
▲ 0.50% · 4.625%
HK$66,454
+HK$3,328/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,252/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,216
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,369
−HK$2,187/mo
Today · 4.125%
HK$73,556
baseline
▲ 0.50% · 4.625%
HK$78,032
+HK$4,476/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$147,112/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,002
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,067
−HK$2,095/mo
Today · 4.125%
HK$81,162
baseline
▲ 0.50% · 4.625%
HK$85,440
+HK$4,278/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$162,324/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,384 · Scale 2, in force from 26 Feb 2026)