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$38,456
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,652
−HK$1,216/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$632,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,782
−HK$2,312/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$632,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,148
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,583
−HK$1,458/mo
Today · 4.125%
HK$49,041
baseline
▲ 0.50% · 4.625%
HK$52,025
+HK$2,984/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,082/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,339
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,716
−HK$1,396/mo
Today · 4.125%
HK$54,112
baseline
▲ 0.50% · 4.625%
HK$56,965
+HK$2,853/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,224/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,839
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,513
−HK$1,702/mo
Today · 4.125%
HK$57,215
baseline
▲ 0.50% · 4.625%
HK$60,696
+HK$3,481/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,430/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,895
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,501
−HK$1,630/mo
Today · 4.125%
HK$63,131
baseline
▲ 0.50% · 4.625%
HK$66,459
+HK$3,328/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,262/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,221
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,374
−HK$2,188/mo
Today · 4.125%
HK$73,562
baseline
▲ 0.50% · 4.625%
HK$78,038
+HK$4,476/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$147,124/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,008
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,073
−HK$2,095/mo
Today · 4.125%
HK$81,168
baseline
▲ 0.50% · 4.625%
HK$85,447
+HK$4,279/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$162,336/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,434 · Scale 2, in force from 26 Feb 2026)