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$38,400
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,595
−HK$1,214/mo
Today · 4.125%
HK$40,809
baseline
▲ 0.50% · 4.625%
HK$43,292
+HK$2,483/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,618/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,720
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,866
−HK$1,162/mo
Today · 4.125%
HK$45,028
baseline
▲ 0.50% · 4.625%
HK$47,402
+HK$2,374/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,056/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,081
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,514
−HK$1,456/mo
Today · 4.125%
HK$48,970
baseline
▲ 0.50% · 4.625%
HK$51,950
+HK$2,980/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$97,940/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,264
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,639
−HK$1,395/mo
Today · 4.125%
HK$54,034
baseline
▲ 0.50% · 4.625%
HK$56,882
+HK$2,848/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$108,068/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,761
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,433
−HK$1,699/mo
Today · 4.125%
HK$57,132
baseline
▲ 0.50% · 4.625%
HK$60,608
+HK$3,476/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,264/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,808
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,412
−HK$1,627/mo
Today · 4.125%
HK$63,039
baseline
▲ 0.50% · 4.625%
HK$66,362
+HK$3,323/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,078/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,121
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,271
−HK$2,184/mo
Today · 4.125%
HK$73,455
baseline
▲ 0.50% · 4.625%
HK$77,925
+HK$4,470/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,910/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,896
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,959
−HK$2,092/mo
Today · 4.125%
HK$81,051
baseline
▲ 0.50% · 4.625%
HK$85,323
+HK$4,272/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,102/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,516 · Scale 2, in force from 26 Feb 2026)