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$38,386
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,580
−HK$1,213/mo
Today · 4.125%
HK$40,793
baseline
▲ 0.50% · 4.625%
HK$43,276
+HK$2,483/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,586/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,704
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,850
−HK$1,161/mo
Today · 4.125%
HK$45,011
baseline
▲ 0.50% · 4.625%
HK$47,384
+HK$2,373/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,022/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,063
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,496
−HK$1,456/mo
Today · 4.125%
HK$48,952
baseline
▲ 0.50% · 4.625%
HK$51,931
+HK$2,979/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,904/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,245
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,619
−HK$1,395/mo
Today · 4.125%
HK$54,014
baseline
▲ 0.50% · 4.625%
HK$56,861
+HK$2,847/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$108,028/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,741
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,412
−HK$1,699/mo
Today · 4.125%
HK$57,111
baseline
▲ 0.50% · 4.625%
HK$60,586
+HK$3,475/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,222/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,786
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,389
−HK$1,627/mo
Today · 4.125%
HK$63,016
baseline
▲ 0.50% · 4.625%
HK$66,338
+HK$3,322/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$126,032/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,095
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,244
−HK$2,184/mo
Today · 4.125%
HK$73,428
baseline
▲ 0.50% · 4.625%
HK$77,896
+HK$4,468/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,856/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,868
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,929
−HK$2,092/mo
Today · 4.125%
HK$81,021
baseline
▲ 0.50% · 4.625%
HK$85,291
+HK$4,270/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,042/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,281 · Scale 2, in force from 26 Feb 2026)