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$38,402
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,597
−HK$1,213/mo
Today · 4.125%
HK$40,810
baseline
▲ 0.50% · 4.625%
HK$43,294
+HK$2,484/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,620/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,722
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,868
−HK$1,162/mo
Today · 4.125%
HK$45,030
baseline
▲ 0.50% · 4.625%
HK$47,404
+HK$2,374/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,060/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,083
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,516
−HK$1,457/mo
Today · 4.125%
HK$48,973
baseline
▲ 0.50% · 4.625%
HK$51,952
+HK$2,979/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$97,946/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,267
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,642
−HK$1,394/mo
Today · 4.125%
HK$54,036
baseline
▲ 0.50% · 4.625%
HK$56,885
+HK$2,849/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$108,072/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,763
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,436
−HK$1,699/mo
Today · 4.125%
HK$57,135
baseline
▲ 0.50% · 4.625%
HK$60,611
+HK$3,476/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,270/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,811
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,415
−HK$1,627/mo
Today · 4.125%
HK$63,042
baseline
▲ 0.50% · 4.625%
HK$66,365
+HK$3,323/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,084/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,124
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,274
−HK$2,185/mo
Today · 4.125%
HK$73,459
baseline
▲ 0.50% · 4.625%
HK$77,929
+HK$4,470/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,918/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,900
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,962
−HK$2,093/mo
Today · 4.125%
HK$81,055
baseline
▲ 0.50% · 4.625%
HK$85,327
+HK$4,272/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,110/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,546 · Scale 2, in force from 26 Feb 2026)