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$38,472
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,668
−HK$1,216/mo
Today · 4.125%
HK$40,884
baseline
▲ 0.50% · 4.625%
HK$43,372
+HK$2,488/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,768/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,799
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,947
−HK$1,164/mo
Today · 4.125%
HK$45,111
baseline
▲ 0.50% · 4.625%
HK$47,489
+HK$2,378/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,222/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,166
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,602
−HK$1,459/mo
Today · 4.125%
HK$49,061
baseline
▲ 0.50% · 4.625%
HK$52,046
+HK$2,985/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,122/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,359
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,736
−HK$1,398/mo
Today · 4.125%
HK$54,134
baseline
▲ 0.50% · 4.625%
HK$56,987
+HK$2,853/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,268/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,860
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,535
−HK$1,703/mo
Today · 4.125%
HK$57,238
baseline
▲ 0.50% · 4.625%
HK$60,720
+HK$3,482/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,476/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,919
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,526
−HK$1,630/mo
Today · 4.125%
HK$63,156
baseline
▲ 0.50% · 4.625%
HK$66,485
+HK$3,329/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,312/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,249
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,403
−HK$2,188/mo
Today · 4.125%
HK$73,591
baseline
▲ 0.50% · 4.625%
HK$78,069
+HK$4,478/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$147,182/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,039
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,105
−HK$2,096/mo
Today · 4.125%
HK$81,201
baseline
▲ 0.50% · 4.625%
HK$85,481
+HK$4,280/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$162,402/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,684 · Scale 2, in force from 26 Feb 2026)