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$38,409
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,603
−HK$1,214/mo
Today · 4.125%
HK$40,817
baseline
▲ 0.50% · 4.625%
HK$43,301
+HK$2,484/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,634/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,729
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,875
−HK$1,163/mo
Today · 4.125%
HK$45,038
baseline
▲ 0.50% · 4.625%
HK$47,412
+HK$2,374/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,076/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,090
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,524
−HK$1,457/mo
Today · 4.125%
HK$48,981
baseline
▲ 0.50% · 4.625%
HK$51,961
+HK$2,980/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,962/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,275
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,650
−HK$1,395/mo
Today · 4.125%
HK$54,045
baseline
▲ 0.50% · 4.625%
HK$56,894
+HK$2,849/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,090/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,772
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,445
−HK$1,699/mo
Today · 4.125%
HK$57,144
baseline
▲ 0.50% · 4.625%
HK$60,621
+HK$3,477/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,288/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,821
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,425
−HK$1,628/mo
Today · 4.125%
HK$63,053
baseline
▲ 0.50% · 4.625%
HK$66,376
+HK$3,323/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,106/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,136
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,286
−HK$2,185/mo
Today · 4.125%
HK$73,471
baseline
▲ 0.50% · 4.625%
HK$77,942
+HK$4,471/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,942/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,913
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,975
−HK$2,093/mo
Today · 4.125%
HK$81,068
baseline
▲ 0.50% · 4.625%
HK$85,341
+HK$4,273/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,136/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,651 · Scale 2, in force from 26 Feb 2026)