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$38,384
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,578
−HK$1,213/mo
Today · 4.125%
HK$40,791
baseline
▲ 0.50% · 4.625%
HK$43,273
+HK$2,482/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,582/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,701
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,847
−HK$1,161/mo
Today · 4.125%
HK$45,008
baseline
▲ 0.50% · 4.625%
HK$47,381
+HK$2,373/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,016/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,060
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,493
−HK$1,456/mo
Today · 4.125%
HK$48,949
baseline
▲ 0.50% · 4.625%
HK$51,927
+HK$2,978/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,898/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,242
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,616
−HK$1,394/mo
Today · 4.125%
HK$54,010
baseline
▲ 0.50% · 4.625%
HK$56,857
+HK$2,847/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$108,020/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,737
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,409
−HK$1,698/mo
Today · 4.125%
HK$57,107
baseline
▲ 0.50% · 4.625%
HK$60,582
+HK$3,475/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,214/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,782
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,385
−HK$1,627/mo
Today · 4.125%
HK$63,012
baseline
▲ 0.50% · 4.625%
HK$66,333
+HK$3,321/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$126,024/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,090
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,240
−HK$2,183/mo
Today · 4.125%
HK$73,423
baseline
▲ 0.50% · 4.625%
HK$77,891
+HK$4,468/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,846/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,862
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,924
−HK$2,091/mo
Today · 4.125%
HK$81,015
baseline
▲ 0.50% · 4.625%
HK$85,285
+HK$4,270/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,030/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,238 · Scale 2, in force from 26 Feb 2026)