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$38,439
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,634
−HK$1,215/mo
Today · 4.125%
HK$40,849
baseline
▲ 0.50% · 4.625%
HK$43,335
+HK$2,486/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,698/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,763
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,910
−HK$1,163/mo
Today · 4.125%
HK$45,073
baseline
▲ 0.50% · 4.625%
HK$47,449
+HK$2,376/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,146/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,127
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,561
−HK$1,458/mo
Today · 4.125%
HK$49,019
baseline
▲ 0.50% · 4.625%
HK$52,002
+HK$2,983/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$98,038/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,315
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,692
−HK$1,396/mo
Today · 4.125%
HK$54,088
baseline
▲ 0.50% · 4.625%
HK$56,939
+HK$2,851/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,176/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,814
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,488
−HK$1,701/mo
Today · 4.125%
HK$57,189
baseline
▲ 0.50% · 4.625%
HK$60,669
+HK$3,480/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,378/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,868
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,474
−HK$1,628/mo
Today · 4.125%
HK$63,102
baseline
▲ 0.50% · 4.625%
HK$66,429
+HK$3,327/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,204/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,190
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,342
−HK$2,187/mo
Today · 4.125%
HK$73,529
baseline
▲ 0.50% · 4.625%
HK$78,003
+HK$4,474/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$147,058/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,973
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,037
−HK$2,095/mo
Today · 4.125%
HK$81,132
baseline
▲ 0.50% · 4.625%
HK$85,408
+HK$4,276/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$162,264/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,146 · Scale 2, in force from 26 Feb 2026)