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$38,457
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,653
−HK$1,215/mo
Today · 4.125%
HK$40,868
baseline
▲ 0.50% · 4.625%
HK$43,355
+HK$2,487/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,736/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,783
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,930
−HK$1,164/mo
Today · 4.125%
HK$45,094
baseline
▲ 0.50% · 4.625%
HK$47,471
+HK$2,377/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,188/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,148
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,583
−HK$1,459/mo
Today · 4.125%
HK$49,042
baseline
▲ 0.50% · 4.625%
HK$52,026
+HK$2,984/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,084/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,339
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,716
−HK$1,397/mo
Today · 4.125%
HK$54,113
baseline
▲ 0.50% · 4.625%
HK$56,965
+HK$2,852/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,226/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,839
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,514
−HK$1,702/mo
Today · 4.125%
HK$57,216
baseline
▲ 0.50% · 4.625%
HK$60,697
+HK$3,481/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,432/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,896
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,502
−HK$1,630/mo
Today · 4.125%
HK$63,132
baseline
▲ 0.50% · 4.625%
HK$66,459
+HK$3,327/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,264/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,222
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,375
−HK$2,188/mo
Today · 4.125%
HK$73,563
baseline
▲ 0.50% · 4.625%
HK$78,039
+HK$4,476/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$147,126/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,009
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,074
−HK$2,095/mo
Today · 4.125%
HK$81,169
baseline
▲ 0.50% · 4.625%
HK$85,448
+HK$4,279/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$162,338/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,440 · Scale 2, in force from 26 Feb 2026)