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$38,398
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,592
−HK$1,214/mo
Today · 4.125%
HK$40,806
baseline
▲ 0.50% · 4.625%
HK$43,289
+HK$2,483/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,612/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,717
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,863
−HK$1,162/mo
Today · 4.125%
HK$45,025
baseline
▲ 0.50% · 4.625%
HK$47,398
+HK$2,373/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,050/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,077
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,511
−HK$1,456/mo
Today · 4.125%
HK$48,967
baseline
▲ 0.50% · 4.625%
HK$51,946
+HK$2,979/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$97,934/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,261
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,635
−HK$1,395/mo
Today · 4.125%
HK$54,030
baseline
▲ 0.50% · 4.625%
HK$56,878
+HK$2,848/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$108,060/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,757
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,429
−HK$1,699/mo
Today · 4.125%
HK$57,128
baseline
▲ 0.50% · 4.625%
HK$60,604
+HK$3,476/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,256/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,804
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,408
−HK$1,627/mo
Today · 4.125%
HK$63,035
baseline
▲ 0.50% · 4.625%
HK$66,358
+HK$3,323/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,070/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,116
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,266
−HK$2,184/mo
Today · 4.125%
HK$73,450
baseline
▲ 0.50% · 4.625%
HK$77,920
+HK$4,470/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,900/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,891
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,953
−HK$2,092/mo
Today · 4.125%
HK$81,045
baseline
▲ 0.50% · 4.625%
HK$85,317
+HK$4,272/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,090/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,473 · Scale 2, in force from 26 Feb 2026)