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$38,439
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,635
−HK$1,215/mo
Today · 4.125%
HK$40,850
baseline
▲ 0.50% · 4.625%
HK$43,335
+HK$2,485/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,700/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,763
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,910
−HK$1,164/mo
Today · 4.125%
HK$45,074
baseline
▲ 0.50% · 4.625%
HK$47,449
+HK$2,375/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,148/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,127
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,562
−HK$1,458/mo
Today · 4.125%
HK$49,020
baseline
▲ 0.50% · 4.625%
HK$52,002
+HK$2,982/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$98,040/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,316
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,692
−HK$1,396/mo
Today · 4.125%
HK$54,088
baseline
▲ 0.50% · 4.625%
HK$56,939
+HK$2,851/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,176/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,815
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,489
−HK$1,701/mo
Today · 4.125%
HK$57,190
baseline
▲ 0.50% · 4.625%
HK$60,669
+HK$3,479/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,380/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,868
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,474
−HK$1,629/mo
Today · 4.125%
HK$63,103
baseline
▲ 0.50% · 4.625%
HK$66,429
+HK$3,326/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,206/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,191
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,343
−HK$2,186/mo
Today · 4.125%
HK$73,529
baseline
▲ 0.50% · 4.625%
HK$78,003
+HK$4,474/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$147,058/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,974
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,038
−HK$2,094/mo
Today · 4.125%
HK$81,132
baseline
▲ 0.50% · 4.625%
HK$85,409
+HK$4,277/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$162,264/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,153 · Scale 2, in force from 26 Feb 2026)