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$38,411
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,605
−HK$1,214/mo
Today · 4.125%
HK$40,819
baseline
▲ 0.50% · 4.625%
HK$43,303
+HK$2,484/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,638/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,731
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,878
−HK$1,162/mo
Today · 4.125%
HK$45,040
baseline
▲ 0.50% · 4.625%
HK$47,414
+HK$2,374/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,080/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,093
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,527
−HK$1,456/mo
Today · 4.125%
HK$48,983
baseline
▲ 0.50% · 4.625%
HK$51,964
+HK$2,981/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,966/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,278
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,653
−HK$1,395/mo
Today · 4.125%
HK$54,048
baseline
▲ 0.50% · 4.625%
HK$56,897
+HK$2,849/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,096/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,775
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,448
−HK$1,699/mo
Today · 4.125%
HK$57,147
baseline
▲ 0.50% · 4.625%
HK$60,624
+HK$3,477/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,294/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,824
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,429
−HK$1,627/mo
Today · 4.125%
HK$63,056
baseline
▲ 0.50% · 4.625%
HK$66,380
+HK$3,324/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,112/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,139
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,290
−HK$2,185/mo
Today · 4.125%
HK$73,475
baseline
▲ 0.50% · 4.625%
HK$77,946
+HK$4,471/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,950/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,917
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,980
−HK$2,092/mo
Today · 4.125%
HK$81,072
baseline
▲ 0.50% · 4.625%
HK$85,346
+HK$4,274/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,144/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,684 · Scale 2, in force from 26 Feb 2026)