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$38,411
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,606
−HK$1,214/mo
Today · 4.125%
HK$40,820
baseline
▲ 0.50% · 4.625%
HK$43,304
+HK$2,484/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,640/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,732
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,878
−HK$1,163/mo
Today · 4.125%
HK$45,041
baseline
▲ 0.50% · 4.625%
HK$47,415
+HK$2,374/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,082/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,094
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,527
−HK$1,457/mo
Today · 4.125%
HK$48,984
baseline
▲ 0.50% · 4.625%
HK$51,965
+HK$2,981/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,968/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,279
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,654
−HK$1,395/mo
Today · 4.125%
HK$54,049
baseline
▲ 0.50% · 4.625%
HK$56,898
+HK$2,849/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,098/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,776
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,449
−HK$1,699/mo
Today · 4.125%
HK$57,148
baseline
▲ 0.50% · 4.625%
HK$60,625
+HK$3,477/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,296/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,825
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,430
−HK$1,627/mo
Today · 4.125%
HK$63,057
baseline
▲ 0.50% · 4.625%
HK$66,381
+HK$3,324/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,114/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,140
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,291
−HK$2,185/mo
Today · 4.125%
HK$73,476
baseline
▲ 0.50% · 4.625%
HK$77,947
+HK$4,471/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,952/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,918
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,981
−HK$2,093/mo
Today · 4.125%
HK$81,074
baseline
▲ 0.50% · 4.625%
HK$85,347
+HK$4,273/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,148/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,694 · Scale 2, in force from 26 Feb 2026)