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$38,424
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,619
−HK$1,214/mo
Today · 4.125%
HK$40,833
baseline
▲ 0.50% · 4.625%
HK$43,318
+HK$2,485/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,666/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,746
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,893
−HK$1,163/mo
Today · 4.125%
HK$45,056
baseline
▲ 0.50% · 4.625%
HK$47,431
+HK$2,375/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,112/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,109
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,543
−HK$1,457/mo
Today · 4.125%
HK$49,000
baseline
▲ 0.50% · 4.625%
HK$51,982
+HK$2,982/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$98,000/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,295
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,671
−HK$1,396/mo
Today · 4.125%
HK$54,067
baseline
▲ 0.50% · 4.625%
HK$56,917
+HK$2,850/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,134/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,793
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,467
−HK$1,700/mo
Today · 4.125%
HK$57,167
baseline
▲ 0.50% · 4.625%
HK$60,645
+HK$3,478/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,334/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,845
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,450
−HK$1,628/mo
Today · 4.125%
HK$63,078
baseline
▲ 0.50% · 4.625%
HK$66,403
+HK$3,325/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,156/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,163
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,314
−HK$2,186/mo
Today · 4.125%
HK$73,500
baseline
▲ 0.50% · 4.625%
HK$77,972
+HK$4,472/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$147,000/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,943
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,007
−HK$2,093/mo
Today · 4.125%
HK$81,100
baseline
▲ 0.50% · 4.625%
HK$85,375
+HK$4,275/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$162,200/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,901 · Scale 2, in force from 26 Feb 2026)