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$38,487
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,684
−HK$1,216/mo
Today · 4.125%
HK$40,900
baseline
▲ 0.50% · 4.625%
HK$43,389
+HK$2,489/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,800/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,816
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,964
−HK$1,165/mo
Today · 4.125%
HK$45,129
baseline
▲ 0.50% · 4.625%
HK$47,508
+HK$2,379/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,258/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,184
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,620
−HK$1,460/mo
Today · 4.125%
HK$49,080
baseline
▲ 0.50% · 4.625%
HK$52,066
+HK$2,986/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,160/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,379
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,757
−HK$1,398/mo
Today · 4.125%
HK$54,155
baseline
▲ 0.50% · 4.625%
HK$57,009
+HK$2,854/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,310/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,881
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,557
−HK$1,703/mo
Today · 4.125%
HK$57,260
baseline
▲ 0.50% · 4.625%
HK$60,744
+HK$3,484/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,520/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,942
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,550
−HK$1,631/mo
Today · 4.125%
HK$63,181
baseline
▲ 0.50% · 4.625%
HK$66,511
+HK$3,330/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,362/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,276
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,431
−HK$2,189/mo
Today · 4.125%
HK$73,620
baseline
▲ 0.50% · 4.625%
HK$78,100
+HK$4,480/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,240/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,069
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,136
−HK$2,096/mo
Today · 4.125%
HK$81,232
baseline
▲ 0.50% · 4.625%
HK$85,514
+HK$4,282/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,464/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,931 · Scale 2, in force from 26 Feb 2026)