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$38,467
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,663
−HK$1,216/mo
Today · 4.125%
HK$40,879
baseline
▲ 0.50% · 4.625%
HK$43,366
+HK$2,487/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,758/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,794
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,942
−HK$1,164/mo
Today · 4.125%
HK$45,106
baseline
▲ 0.50% · 4.625%
HK$47,484
+HK$2,378/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,212/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,160
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,596
−HK$1,459/mo
Today · 4.125%
HK$49,055
baseline
▲ 0.50% · 4.625%
HK$52,040
+HK$2,985/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,110/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,353
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,730
−HK$1,397/mo
Today · 4.125%
HK$54,127
baseline
▲ 0.50% · 4.625%
HK$56,980
+HK$2,853/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,254/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,853
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,529
−HK$1,702/mo
Today · 4.125%
HK$57,231
baseline
▲ 0.50% · 4.625%
HK$60,713
+HK$3,482/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,462/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,911
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,518
−HK$1,630/mo
Today · 4.125%
HK$63,148
baseline
▲ 0.50% · 4.625%
HK$66,477
+HK$3,329/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,296/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,240
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,394
−HK$2,188/mo
Today · 4.125%
HK$73,582
baseline
▲ 0.50% · 4.625%
HK$78,059
+HK$4,477/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$147,164/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,029
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,095
−HK$2,096/mo
Today · 4.125%
HK$81,191
baseline
▲ 0.50% · 4.625%
HK$85,470
+HK$4,279/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$162,382/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,606 · Scale 2, in force from 26 Feb 2026)