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$38,491
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,688
−HK$1,217/mo
Today · 4.125%
HK$40,905
baseline
▲ 0.50% · 4.625%
HK$43,394
+HK$2,489/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,810/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$633,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,821
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,969
−HK$1,165/mo
Today · 4.125%
HK$45,134
baseline
▲ 0.50% · 4.625%
HK$47,514
+HK$2,380/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,268/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$633,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,189
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,626
−HK$1,460/mo
Today · 4.125%
HK$49,086
baseline
▲ 0.50% · 4.625%
HK$52,073
+HK$2,987/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,172/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,385
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,763
−HK$1,398/mo
Today · 4.125%
HK$54,161
baseline
▲ 0.50% · 4.625%
HK$57,016
+HK$2,855/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,322/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,888
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,564
−HK$1,703/mo
Today · 4.125%
HK$57,267
baseline
▲ 0.50% · 4.625%
HK$60,751
+HK$3,484/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$114,534/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,949
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,557
−HK$1,631/mo
Today · 4.125%
HK$63,188
baseline
▲ 0.50% · 4.625%
HK$66,519
+HK$3,331/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$126,376/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,284
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,439
−HK$2,190/mo
Today · 4.125%
HK$73,629
baseline
▲ 0.50% · 4.625%
HK$78,109
+HK$4,480/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,258/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,078
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,145
−HK$2,097/mo
Today · 4.125%
HK$81,242
baseline
▲ 0.50% · 4.625%
HK$85,524
+HK$4,282/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,484/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,007 · Scale 2, in force from 26 Feb 2026)