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$38,455
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,652
−HK$1,215/mo
Today · 4.125%
HK$40,867
baseline
▲ 0.50% · 4.625%
HK$43,354
+HK$2,487/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,734/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,781
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,929
−HK$1,164/mo
Today · 4.125%
HK$45,093
baseline
▲ 0.50% · 4.625%
HK$47,470
+HK$2,377/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,186/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,147
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,582
−HK$1,458/mo
Today · 4.125%
HK$49,040
baseline
▲ 0.50% · 4.625%
HK$52,024
+HK$2,984/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,080/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,338
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,714
−HK$1,397/mo
Today · 4.125%
HK$54,111
baseline
▲ 0.50% · 4.625%
HK$56,963
+HK$2,852/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,222/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,838
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,512
−HK$1,702/mo
Today · 4.125%
HK$57,214
baseline
▲ 0.50% · 4.625%
HK$60,695
+HK$3,481/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,428/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,894
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,500
−HK$1,630/mo
Today · 4.125%
HK$63,130
baseline
▲ 0.50% · 4.625%
HK$66,457
+HK$3,327/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,260/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,220
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,373
−HK$2,187/mo
Today · 4.125%
HK$73,560
baseline
▲ 0.50% · 4.625%
HK$78,036
+HK$4,476/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$147,120/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,006
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,072
−HK$2,095/mo
Today · 4.125%
HK$81,167
baseline
▲ 0.50% · 4.625%
HK$85,445
+HK$4,278/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$162,334/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,420 · Scale 2, in force from 26 Feb 2026)