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$38,441
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,637
−HK$1,215/mo
Today · 4.125%
HK$40,852
baseline
▲ 0.50% · 4.625%
HK$43,338
+HK$2,486/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,704/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,766
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,913
−HK$1,163/mo
Today · 4.125%
HK$45,076
baseline
▲ 0.50% · 4.625%
HK$47,452
+HK$2,376/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,152/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,130
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,565
−HK$1,458/mo
Today · 4.125%
HK$49,023
baseline
▲ 0.50% · 4.625%
HK$52,005
+HK$2,982/mo
Deposit HK$6.74M · loan HK$10.12M · min. income ≈ HK$98,046/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,319
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,695
−HK$1,397/mo
Today · 4.125%
HK$54,092
baseline
▲ 0.50% · 4.625%
HK$56,943
+HK$2,851/mo
Deposit HK$6.74M · loan HK$10.12M · min. income ≈ HK$108,184/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,818
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,492
−HK$1,701/mo
Today · 4.125%
HK$57,193
baseline
▲ 0.50% · 4.625%
HK$60,673
+HK$3,480/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,386/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,872
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,478
−HK$1,629/mo
Today · 4.125%
HK$63,107
baseline
▲ 0.50% · 4.625%
HK$66,433
+HK$3,326/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,214/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,195
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,347
−HK$2,187/mo
Today · 4.125%
HK$73,534
baseline
▲ 0.50% · 4.625%
HK$78,008
+HK$4,474/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$147,068/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,978
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,043
−HK$2,094/mo
Today · 4.125%
HK$81,137
baseline
▲ 0.50% · 4.625%
HK$85,414
+HK$4,277/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$162,274/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,191 · Scale 2, in force from 26 Feb 2026)