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$38,437
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,632
−HK$1,215/mo
Today · 4.125%
HK$40,847
baseline
▲ 0.50% · 4.625%
HK$43,333
+HK$2,486/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,694/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,761
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,907
−HK$1,164/mo
Today · 4.125%
HK$45,071
baseline
▲ 0.50% · 4.625%
HK$47,447
+HK$2,376/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,142/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,124
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,559
−HK$1,458/mo
Today · 4.125%
HK$49,017
baseline
▲ 0.50% · 4.625%
HK$51,999
+HK$2,982/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$98,034/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$632,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,313
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,689
−HK$1,396/mo
Today · 4.125%
HK$54,085
baseline
▲ 0.50% · 4.625%
HK$56,936
+HK$2,851/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,170/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$632,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,812
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,485
−HK$1,701/mo
Today · 4.125%
HK$57,186
baseline
▲ 0.50% · 4.625%
HK$60,666
+HK$3,480/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,372/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,865
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,470
−HK$1,629/mo
Today · 4.125%
HK$63,099
baseline
▲ 0.50% · 4.625%
HK$66,425
+HK$3,326/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,198/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,186
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,338
−HK$2,187/mo
Today · 4.125%
HK$73,525
baseline
▲ 0.50% · 4.625%
HK$77,999
+HK$4,474/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$147,050/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,969
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,033
−HK$2,094/mo
Today · 4.125%
HK$81,127
baseline
▲ 0.50% · 4.625%
HK$85,404
+HK$4,277/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$162,254/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,114 · Scale 2, in force from 26 Feb 2026)