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$38,412
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,607
−HK$1,214/mo
Today · 4.125%
HK$40,821
baseline
▲ 0.50% · 4.625%
HK$43,305
+HK$2,484/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,642/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,733
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,879
−HK$1,163/mo
Today · 4.125%
HK$45,042
baseline
▲ 0.50% · 4.625%
HK$47,416
+HK$2,374/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,084/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,094
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,528
−HK$1,457/mo
Today · 4.125%
HK$48,985
baseline
▲ 0.50% · 4.625%
HK$51,966
+HK$2,981/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,970/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,280
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,655
−HK$1,395/mo
Today · 4.125%
HK$54,050
baseline
▲ 0.50% · 4.625%
HK$56,899
+HK$2,849/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,100/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,777
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,450
−HK$1,699/mo
Today · 4.125%
HK$57,149
baseline
▲ 0.50% · 4.625%
HK$60,627
+HK$3,478/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,298/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,826
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,431
−HK$1,627/mo
Today · 4.125%
HK$63,058
baseline
▲ 0.50% · 4.625%
HK$66,382
+HK$3,324/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,116/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,142
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,292
−HK$2,185/mo
Today · 4.125%
HK$73,477
baseline
▲ 0.50% · 4.625%
HK$77,948
+HK$4,471/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,954/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,919
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,982
−HK$2,093/mo
Today · 4.125%
HK$81,075
baseline
▲ 0.50% · 4.625%
HK$85,349
+HK$4,274/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,150/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,707 · Scale 2, in force from 26 Feb 2026)