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$38,452
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,648
−HK$1,215/mo
Today · 4.125%
HK$40,863
baseline
▲ 0.50% · 4.625%
HK$43,350
+HK$2,487/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,726/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,777
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,925
−HK$1,163/mo
Today · 4.125%
HK$45,088
baseline
▲ 0.50% · 4.625%
HK$47,465
+HK$2,377/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,176/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,142
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,577
−HK$1,459/mo
Today · 4.125%
HK$49,036
baseline
▲ 0.50% · 4.625%
HK$52,019
+HK$2,983/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,072/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,333
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,709
−HK$1,397/mo
Today · 4.125%
HK$54,106
baseline
▲ 0.50% · 4.625%
HK$56,958
+HK$2,852/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,212/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,833
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,507
−HK$1,701/mo
Today · 4.125%
HK$57,208
baseline
▲ 0.50% · 4.625%
HK$60,689
+HK$3,481/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,416/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,888
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,494
−HK$1,630/mo
Today · 4.125%
HK$63,124
baseline
▲ 0.50% · 4.625%
HK$66,451
+HK$3,327/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,248/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,213
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,366
−HK$2,188/mo
Today · 4.125%
HK$73,554
baseline
▲ 0.50% · 4.625%
HK$78,029
+HK$4,475/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$147,108/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,999
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,064
−HK$2,095/mo
Today · 4.125%
HK$81,159
baseline
▲ 0.50% · 4.625%
HK$85,437
+HK$4,278/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$162,318/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,361 · Scale 2, in force from 26 Feb 2026)