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$38,470
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,667
−HK$1,216/mo
Today · 4.125%
HK$40,883
baseline
▲ 0.50% · 4.625%
HK$43,370
+HK$2,487/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,766/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,798
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,946
−HK$1,164/mo
Today · 4.125%
HK$45,110
baseline
▲ 0.50% · 4.625%
HK$47,488
+HK$2,378/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,220/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,164
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,600
−HK$1,459/mo
Today · 4.125%
HK$49,059
baseline
▲ 0.50% · 4.625%
HK$52,044
+HK$2,985/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,118/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,357
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,735
−HK$1,397/mo
Today · 4.125%
HK$54,132
baseline
▲ 0.50% · 4.625%
HK$56,986
+HK$2,854/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,264/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,858
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,534
−HK$1,702/mo
Today · 4.125%
HK$57,236
baseline
▲ 0.50% · 4.625%
HK$60,719
+HK$3,483/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,472/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,917
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,524
−HK$1,630/mo
Today · 4.125%
HK$63,154
baseline
▲ 0.50% · 4.625%
HK$66,483
+HK$3,329/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,308/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,247
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,401
−HK$2,188/mo
Today · 4.125%
HK$73,589
baseline
▲ 0.50% · 4.625%
HK$78,067
+HK$4,478/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$147,178/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,036
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,102
−HK$2,096/mo
Today · 4.125%
HK$81,198
baseline
▲ 0.50% · 4.625%
HK$85,478
+HK$4,280/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$162,396/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,665 · Scale 2, in force from 26 Feb 2026)