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$38,397
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,591
−HK$1,213/mo
Today · 4.125%
HK$40,804
baseline
▲ 0.50% · 4.625%
HK$43,287
+HK$2,483/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,608/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,716
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,861
−HK$1,163/mo
Today · 4.125%
HK$45,024
baseline
▲ 0.50% · 4.625%
HK$47,397
+HK$2,373/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,048/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,076
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,509
−HK$1,456/mo
Today · 4.125%
HK$48,965
baseline
▲ 0.50% · 4.625%
HK$51,945
+HK$2,980/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$97,930/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,259
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,634
−HK$1,394/mo
Today · 4.125%
HK$54,028
baseline
▲ 0.50% · 4.625%
HK$56,876
+HK$2,848/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$108,056/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,755
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,427
−HK$1,699/mo
Today · 4.125%
HK$57,126
baseline
▲ 0.50% · 4.625%
HK$60,602
+HK$3,476/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,252/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,802
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,406
−HK$1,627/mo
Today · 4.125%
HK$63,033
baseline
▲ 0.50% · 4.625%
HK$66,355
+HK$3,322/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,066/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,114
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,264
−HK$2,184/mo
Today · 4.125%
HK$73,448
baseline
▲ 0.50% · 4.625%
HK$77,917
+HK$4,469/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,896/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,888
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,950
−HK$2,092/mo
Today · 4.125%
HK$81,042
baseline
▲ 0.50% · 4.625%
HK$85,314
+HK$4,272/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,084/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,451 · Scale 2, in force from 26 Feb 2026)