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$38,379
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,573
−HK$1,213/mo
Today · 4.125%
HK$40,786
baseline
▲ 0.50% · 4.625%
HK$43,268
+HK$2,482/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,572/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,697
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,842
−HK$1,161/mo
Today · 4.125%
HK$45,003
baseline
▲ 0.50% · 4.625%
HK$47,376
+HK$2,373/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,006/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,055
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,488
−HK$1,455/mo
Today · 4.125%
HK$48,943
baseline
▲ 0.50% · 4.625%
HK$51,921
+HK$2,978/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,886/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,236
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,610
−HK$1,394/mo
Today · 4.125%
HK$54,004
baseline
▲ 0.50% · 4.625%
HK$56,851
+HK$2,847/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$108,008/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,731
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,402
−HK$1,699/mo
Today · 4.125%
HK$57,101
baseline
▲ 0.50% · 4.625%
HK$60,575
+HK$3,474/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,202/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,775
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,378
−HK$1,627/mo
Today · 4.125%
HK$63,005
baseline
▲ 0.50% · 4.625%
HK$66,326
+HK$3,321/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$126,010/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,083
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,232
−HK$2,183/mo
Today · 4.125%
HK$73,415
baseline
▲ 0.50% · 4.625%
HK$77,882
+HK$4,467/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,830/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,854
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,915
−HK$2,091/mo
Today · 4.125%
HK$81,006
baseline
▲ 0.50% · 4.625%
HK$85,276
+HK$4,270/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,012/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,169 · Scale 2, in force from 26 Feb 2026)