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$38,465
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,662
−HK$1,215/mo
Today · 4.125%
HK$40,877
baseline
▲ 0.50% · 4.625%
HK$43,364
+HK$2,487/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,754/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,792
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,940
−HK$1,164/mo
Today · 4.125%
HK$45,104
baseline
▲ 0.50% · 4.625%
HK$47,481
+HK$2,377/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,208/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,158
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,594
−HK$1,459/mo
Today · 4.125%
HK$49,053
baseline
▲ 0.50% · 4.625%
HK$52,037
+HK$2,984/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,106/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,350
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,728
−HK$1,397/mo
Today · 4.125%
HK$54,125
baseline
▲ 0.50% · 4.625%
HK$56,978
+HK$2,853/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,250/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,851
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,526
−HK$1,702/mo
Today · 4.125%
HK$57,228
baseline
▲ 0.50% · 4.625%
HK$60,710
+HK$3,482/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,456/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,909
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,516
−HK$1,629/mo
Today · 4.125%
HK$63,145
baseline
▲ 0.50% · 4.625%
HK$66,474
+HK$3,329/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,290/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,237
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,391
−HK$2,188/mo
Today · 4.125%
HK$73,579
baseline
▲ 0.50% · 4.625%
HK$78,056
+HK$4,477/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$147,158/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,026
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,091
−HK$2,096/mo
Today · 4.125%
HK$81,187
baseline
▲ 0.50% · 4.625%
HK$85,467
+HK$4,280/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$162,374/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,578 · Scale 2, in force from 26 Feb 2026)