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$38,458
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,655
−HK$1,215/mo
Today · 4.125%
HK$40,870
baseline
▲ 0.50% · 4.625%
HK$43,357
+HK$2,487/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,740/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,784
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,932
−HK$1,164/mo
Today · 4.125%
HK$45,096
baseline
▲ 0.50% · 4.625%
HK$47,473
+HK$2,377/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,192/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,150
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,585
−HK$1,459/mo
Today · 4.125%
HK$49,044
baseline
▲ 0.50% · 4.625%
HK$52,028
+HK$2,984/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,088/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,341
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,718
−HK$1,397/mo
Today · 4.125%
HK$54,115
baseline
▲ 0.50% · 4.625%
HK$56,968
+HK$2,853/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,230/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,842
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,516
−HK$1,702/mo
Today · 4.125%
HK$57,218
baseline
▲ 0.50% · 4.625%
HK$60,699
+HK$3,481/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,436/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,898
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,505
−HK$1,629/mo
Today · 4.125%
HK$63,134
baseline
▲ 0.50% · 4.625%
HK$66,462
+HK$3,328/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,268/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,225
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,378
−HK$2,188/mo
Today · 4.125%
HK$73,566
baseline
▲ 0.50% · 4.625%
HK$78,042
+HK$4,476/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$147,132/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,012
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,077
−HK$2,096/mo
Today · 4.125%
HK$81,173
baseline
▲ 0.50% · 4.625%
HK$85,451
+HK$4,278/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$162,346/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,466 · Scale 2, in force from 26 Feb 2026)