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$38,408
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,603
−HK$1,213/mo
Today · 4.125%
HK$40,816
baseline
▲ 0.50% · 4.625%
HK$43,300
+HK$2,484/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,632/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,728
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,874
−HK$1,163/mo
Today · 4.125%
HK$45,037
baseline
▲ 0.50% · 4.625%
HK$47,411
+HK$2,374/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,074/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,089
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,523
−HK$1,457/mo
Today · 4.125%
HK$48,980
baseline
▲ 0.50% · 4.625%
HK$51,960
+HK$2,980/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,960/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,274
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,649
−HK$1,395/mo
Today · 4.125%
HK$54,044
baseline
▲ 0.50% · 4.625%
HK$56,893
+HK$2,849/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,088/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,771
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,444
−HK$1,699/mo
Today · 4.125%
HK$57,143
baseline
▲ 0.50% · 4.625%
HK$60,620
+HK$3,477/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,286/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,820
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,424
−HK$1,628/mo
Today · 4.125%
HK$63,052
baseline
▲ 0.50% · 4.625%
HK$66,375
+HK$3,323/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,104/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,134
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,285
−HK$2,185/mo
Today · 4.125%
HK$73,470
baseline
▲ 0.50% · 4.625%
HK$77,940
+HK$4,470/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,940/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,911
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,974
−HK$2,092/mo
Today · 4.125%
HK$81,066
baseline
▲ 0.50% · 4.625%
HK$85,340
+HK$4,274/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,132/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,638 · Scale 2, in force from 26 Feb 2026)