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$38,402
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,597
−HK$1,213/mo
Today · 4.125%
HK$40,810
baseline
▲ 0.50% · 4.625%
HK$43,293
+HK$2,483/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,620/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,722
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,868
−HK$1,162/mo
Today · 4.125%
HK$45,030
baseline
▲ 0.50% · 4.625%
HK$47,404
+HK$2,374/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,060/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,082
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,516
−HK$1,456/mo
Today · 4.125%
HK$48,972
baseline
▲ 0.50% · 4.625%
HK$51,952
+HK$2,980/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$97,944/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,266
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,641
−HK$1,395/mo
Today · 4.125%
HK$54,036
baseline
▲ 0.50% · 4.625%
HK$56,884
+HK$2,848/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$108,072/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,763
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,435
−HK$1,699/mo
Today · 4.125%
HK$57,134
baseline
▲ 0.50% · 4.625%
HK$60,611
+HK$3,477/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,268/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,811
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,415
−HK$1,627/mo
Today · 4.125%
HK$63,042
baseline
▲ 0.50% · 4.625%
HK$66,365
+HK$3,323/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,084/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,124
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,274
−HK$2,184/mo
Today · 4.125%
HK$73,458
baseline
▲ 0.50% · 4.625%
HK$77,928
+HK$4,470/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,916/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,899
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,962
−HK$2,092/mo
Today · 4.125%
HK$81,054
baseline
▲ 0.50% · 4.625%
HK$85,327
+HK$4,273/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,108/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,542 · Scale 2, in force from 26 Feb 2026)