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$38,415
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,610
−HK$1,214/mo
Today · 4.125%
HK$40,824
baseline
▲ 0.50% · 4.625%
HK$43,308
+HK$2,484/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,648/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,737
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,883
−HK$1,163/mo
Today · 4.125%
HK$45,046
baseline
▲ 0.50% · 4.625%
HK$47,420
+HK$2,374/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,092/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,098
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,532
−HK$1,457/mo
Today · 4.125%
HK$48,989
baseline
▲ 0.50% · 4.625%
HK$51,970
+HK$2,981/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,978/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,284
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,659
−HK$1,396/mo
Today · 4.125%
HK$54,055
baseline
▲ 0.50% · 4.625%
HK$56,904
+HK$2,849/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,110/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,781
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,454
−HK$1,700/mo
Today · 4.125%
HK$57,154
baseline
▲ 0.50% · 4.625%
HK$60,632
+HK$3,478/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,308/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,831
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,436
−HK$1,628/mo
Today · 4.125%
HK$63,064
baseline
▲ 0.50% · 4.625%
HK$66,388
+HK$3,324/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,128/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,148
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,299
−HK$2,185/mo
Today · 4.125%
HK$73,484
baseline
▲ 0.50% · 4.625%
HK$77,955
+HK$4,471/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,968/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,926
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,989
−HK$2,093/mo
Today · 4.125%
HK$81,082
baseline
▲ 0.50% · 4.625%
HK$85,356
+HK$4,274/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,164/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,761 · Scale 2, in force from 26 Feb 2026)