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$38,460
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,656
−HK$1,216/mo
Today · 4.125%
HK$40,872
baseline
▲ 0.50% · 4.625%
HK$43,358
+HK$2,486/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,744/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,786
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,934
−HK$1,164/mo
Today · 4.125%
HK$45,098
baseline
▲ 0.50% · 4.625%
HK$47,475
+HK$2,377/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,196/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,152
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,587
−HK$1,459/mo
Today · 4.125%
HK$49,046
baseline
▲ 0.50% · 4.625%
HK$52,030
+HK$2,984/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,092/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,343
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,720
−HK$1,397/mo
Today · 4.125%
HK$54,117
baseline
▲ 0.50% · 4.625%
HK$56,970
+HK$2,853/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,234/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,844
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,519
−HK$1,701/mo
Today · 4.125%
HK$57,220
baseline
▲ 0.50% · 4.625%
HK$60,702
+HK$3,482/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,440/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,901
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,507
−HK$1,630/mo
Today · 4.125%
HK$63,137
baseline
▲ 0.50% · 4.625%
HK$66,465
+HK$3,328/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,274/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,228
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,381
−HK$2,188/mo
Today · 4.125%
HK$73,569
baseline
▲ 0.50% · 4.625%
HK$78,045
+HK$4,476/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$147,138/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,015
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,080
−HK$2,096/mo
Today · 4.125%
HK$81,176
baseline
▲ 0.50% · 4.625%
HK$85,455
+HK$4,279/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$162,352/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,491 · Scale 2, in force from 26 Feb 2026)