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$38,453
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,649
−HK$1,215/mo
Today · 4.125%
HK$40,864
baseline
▲ 0.50% · 4.625%
HK$43,350
+HK$2,486/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,728/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,778
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,925
−HK$1,164/mo
Today · 4.125%
HK$45,089
baseline
▲ 0.50% · 4.625%
HK$47,466
+HK$2,377/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,178/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,143
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,578
−HK$1,459/mo
Today · 4.125%
HK$49,037
baseline
▲ 0.50% · 4.625%
HK$52,020
+HK$2,983/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,074/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,334
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,710
−HK$1,397/mo
Today · 4.125%
HK$54,107
baseline
▲ 0.50% · 4.625%
HK$56,959
+HK$2,852/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,214/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,834
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,508
−HK$1,701/mo
Today · 4.125%
HK$57,209
baseline
▲ 0.50% · 4.625%
HK$60,690
+HK$3,481/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,418/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,889
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,496
−HK$1,629/mo
Today · 4.125%
HK$63,125
baseline
▲ 0.50% · 4.625%
HK$66,452
+HK$3,327/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,250/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,215
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,368
−HK$2,187/mo
Today · 4.125%
HK$73,555
baseline
▲ 0.50% · 4.625%
HK$78,031
+HK$4,476/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$147,110/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,001
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,066
−HK$2,095/mo
Today · 4.125%
HK$81,161
baseline
▲ 0.50% · 4.625%
HK$85,439
+HK$4,278/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$162,322/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,373 · Scale 2, in force from 26 Feb 2026)