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$38,504
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,702
−HK$1,216/mo
Today · 4.125%
HK$40,918
baseline
▲ 0.50% · 4.625%
HK$43,408
+HK$2,490/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,836/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,835
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,984
−HK$1,166/mo
Today · 4.125%
HK$45,150
baseline
▲ 0.50% · 4.625%
HK$47,529
+HK$2,379/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,300/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,205
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,642
−HK$1,460/mo
Today · 4.125%
HK$49,102
baseline
▲ 0.50% · 4.625%
HK$52,090
+HK$2,988/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,204/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,402
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,781
−HK$1,398/mo
Today · 4.125%
HK$54,179
baseline
▲ 0.50% · 4.625%
HK$57,035
+HK$2,856/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,358/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,906
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,582
−HK$1,704/mo
Today · 4.125%
HK$57,286
baseline
▲ 0.50% · 4.625%
HK$60,772
+HK$3,486/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,572/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,969
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,578
−HK$1,631/mo
Today · 4.125%
HK$63,209
baseline
▲ 0.50% · 4.625%
HK$66,541
+HK$3,332/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,418/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,307
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,463
−HK$2,190/mo
Today · 4.125%
HK$73,653
baseline
▲ 0.50% · 4.625%
HK$78,135
+HK$4,482/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,306/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,103
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,171
−HK$2,098/mo
Today · 4.125%
HK$81,269
baseline
▲ 0.50% · 4.625%
HK$85,553
+HK$4,284/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,538/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,218 · Scale 2, in force from 26 Feb 2026)