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$38,399
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,594
−HK$1,213/mo
Today · 4.125%
HK$40,807
baseline
▲ 0.50% · 4.625%
HK$43,290
+HK$2,483/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,614/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,719
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,864
−HK$1,163/mo
Today · 4.125%
HK$45,027
baseline
▲ 0.50% · 4.625%
HK$47,400
+HK$2,373/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,054/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,079
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,512
−HK$1,456/mo
Today · 4.125%
HK$48,968
baseline
▲ 0.50% · 4.625%
HK$51,948
+HK$2,980/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$97,936/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,262
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,637
−HK$1,395/mo
Today · 4.125%
HK$54,032
baseline
▲ 0.50% · 4.625%
HK$56,880
+HK$2,848/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$108,064/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,759
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,431
−HK$1,699/mo
Today · 4.125%
HK$57,130
baseline
▲ 0.50% · 4.625%
HK$60,606
+HK$3,476/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,260/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,806
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,410
−HK$1,627/mo
Today · 4.125%
HK$63,037
baseline
▲ 0.50% · 4.625%
HK$66,360
+HK$3,323/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,074/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,118
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,268
−HK$2,185/mo
Today · 4.125%
HK$73,453
baseline
▲ 0.50% · 4.625%
HK$77,922
+HK$4,469/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,906/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,893
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,956
−HK$2,092/mo
Today · 4.125%
HK$81,048
baseline
▲ 0.50% · 4.625%
HK$85,320
+HK$4,272/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,096/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,493 · Scale 2, in force from 26 Feb 2026)