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$38,392
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,586
−HK$1,214/mo
Today · 4.125%
HK$40,800
baseline
▲ 0.50% · 4.625%
HK$43,282
+HK$2,482/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,600/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,711
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,856
−HK$1,162/mo
Today · 4.125%
HK$45,018
baseline
▲ 0.50% · 4.625%
HK$47,391
+HK$2,373/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,036/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,071
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,504
−HK$1,456/mo
Today · 4.125%
HK$48,960
baseline
▲ 0.50% · 4.625%
HK$51,939
+HK$2,979/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,920/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,253
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,628
−HK$1,394/mo
Today · 4.125%
HK$54,022
baseline
▲ 0.50% · 4.625%
HK$56,870
+HK$2,848/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$108,044/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,749
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,421
−HK$1,698/mo
Today · 4.125%
HK$57,119
baseline
▲ 0.50% · 4.625%
HK$60,595
+HK$3,476/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,238/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,795
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,399
−HK$1,627/mo
Today · 4.125%
HK$63,026
baseline
▲ 0.50% · 4.625%
HK$66,348
+HK$3,322/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,052/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,106
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,255
−HK$2,184/mo
Today · 4.125%
HK$73,439
baseline
▲ 0.50% · 4.625%
HK$77,908
+HK$4,469/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,878/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,880
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,941
−HK$2,092/mo
Today · 4.125%
HK$81,033
baseline
▲ 0.50% · 4.625%
HK$85,304
+HK$4,271/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,066/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,379 · Scale 2, in force from 26 Feb 2026)