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$38,380
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,574
−HK$1,213/mo
Today · 4.125%
HK$40,787
baseline
▲ 0.50% · 4.625%
HK$43,269
+HK$2,482/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,574/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,698
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,843
−HK$1,162/mo
Today · 4.125%
HK$45,005
baseline
▲ 0.50% · 4.625%
HK$47,377
+HK$2,372/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,010/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,056
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,489
−HK$1,456/mo
Today · 4.125%
HK$48,945
baseline
▲ 0.50% · 4.625%
HK$51,923
+HK$2,978/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,890/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,237
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,611
−HK$1,395/mo
Today · 4.125%
HK$54,006
baseline
▲ 0.50% · 4.625%
HK$56,852
+HK$2,846/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$108,012/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,733
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,404
−HK$1,698/mo
Today · 4.125%
HK$57,102
baseline
▲ 0.50% · 4.625%
HK$60,577
+HK$3,475/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,204/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,777
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,380
−HK$1,626/mo
Today · 4.125%
HK$63,006
baseline
▲ 0.50% · 4.625%
HK$66,328
+HK$3,322/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$126,012/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,085
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,234
−HK$2,183/mo
Today · 4.125%
HK$73,417
baseline
▲ 0.50% · 4.625%
HK$77,884
+HK$4,467/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,834/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,856
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,917
−HK$2,091/mo
Today · 4.125%
HK$81,008
baseline
▲ 0.50% · 4.625%
HK$85,278
+HK$4,270/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,016/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,185 · Scale 2, in force from 26 Feb 2026)