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$38,501
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,699
−HK$1,216/mo
Today · 4.125%
HK$40,915
baseline
▲ 0.50% · 4.625%
HK$43,405
+HK$2,490/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,830/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,832
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,981
−HK$1,165/mo
Today · 4.125%
HK$45,146
baseline
▲ 0.50% · 4.625%
HK$47,526
+HK$2,380/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,292/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,201
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,638
−HK$1,461/mo
Today · 4.125%
HK$49,099
baseline
▲ 0.50% · 4.625%
HK$52,086
+HK$2,987/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,198/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,398
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,777
−HK$1,398/mo
Today · 4.125%
HK$54,175
baseline
▲ 0.50% · 4.625%
HK$57,031
+HK$2,856/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,350/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,902
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,578
−HK$1,704/mo
Today · 4.125%
HK$57,282
baseline
▲ 0.50% · 4.625%
HK$60,767
+HK$3,485/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,564/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,965
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,573
−HK$1,632/mo
Today · 4.125%
HK$63,205
baseline
▲ 0.50% · 4.625%
HK$66,536
+HK$3,331/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,410/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,302
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,458
−HK$2,190/mo
Today · 4.125%
HK$73,648
baseline
▲ 0.50% · 4.625%
HK$78,129
+HK$4,481/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,296/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,098
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,165
−HK$2,098/mo
Today · 4.125%
HK$81,263
baseline
▲ 0.50% · 4.625%
HK$85,547
+HK$4,284/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,526/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,171 · Scale 2, in force from 26 Feb 2026)