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$38,497
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,694
−HK$1,217/mo
Today · 4.125%
HK$40,911
baseline
▲ 0.50% · 4.625%
HK$43,400
+HK$2,489/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,822/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$633,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,828
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,976
−HK$1,165/mo
Today · 4.125%
HK$45,141
baseline
▲ 0.50% · 4.625%
HK$47,521
+HK$2,380/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,282/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$633,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,196
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,633
−HK$1,460/mo
Today · 4.125%
HK$49,093
baseline
▲ 0.50% · 4.625%
HK$52,081
+HK$2,988/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,186/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,393
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,771
−HK$1,399/mo
Today · 4.125%
HK$54,170
baseline
▲ 0.50% · 4.625%
HK$57,025
+HK$2,855/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,340/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,896
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,572
−HK$1,704/mo
Today · 4.125%
HK$57,276
baseline
▲ 0.50% · 4.625%
HK$60,761
+HK$3,485/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$114,552/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,959
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,567
−HK$1,631/mo
Today · 4.125%
HK$63,198
baseline
▲ 0.50% · 4.625%
HK$66,529
+HK$3,331/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$126,396/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,295
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,450
−HK$2,190/mo
Today · 4.125%
HK$73,640
baseline
▲ 0.50% · 4.625%
HK$78,121
+HK$4,481/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,280/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,090
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,157
−HK$2,097/mo
Today · 4.125%
HK$81,254
baseline
▲ 0.50% · 4.625%
HK$85,538
+HK$4,284/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,508/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,104 · Scale 2, in force from 26 Feb 2026)