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$38,484
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,681
−HK$1,216/mo
Today · 4.125%
HK$40,897
baseline
▲ 0.50% · 4.625%
HK$43,386
+HK$2,489/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,794/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,813
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,961
−HK$1,165/mo
Today · 4.125%
HK$45,126
baseline
▲ 0.50% · 4.625%
HK$47,505
+HK$2,379/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,252/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,181
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,617
−HK$1,460/mo
Today · 4.125%
HK$49,077
baseline
▲ 0.50% · 4.625%
HK$52,063
+HK$2,986/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,154/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,376
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,754
−HK$1,397/mo
Today · 4.125%
HK$54,151
baseline
▲ 0.50% · 4.625%
HK$57,006
+HK$2,855/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,302/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,878
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,554
−HK$1,702/mo
Today · 4.125%
HK$57,256
baseline
▲ 0.50% · 4.625%
HK$60,740
+HK$3,484/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,512/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,938
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,546
−HK$1,631/mo
Today · 4.125%
HK$63,177
baseline
▲ 0.50% · 4.625%
HK$66,507
+HK$3,330/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,354/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,271
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,426
−HK$2,189/mo
Today · 4.125%
HK$73,615
baseline
▲ 0.50% · 4.625%
HK$78,095
+HK$4,480/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,230/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,064
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,130
−HK$2,097/mo
Today · 4.125%
HK$81,227
baseline
▲ 0.50% · 4.625%
HK$85,509
+HK$4,282/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,454/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,891 · Scale 2, in force from 26 Feb 2026)