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$38,392
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,586
−HK$1,213/mo
Today · 4.125%
HK$40,799
baseline
▲ 0.50% · 4.625%
HK$43,282
+HK$2,483/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,598/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,710
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,856
−HK$1,162/mo
Today · 4.125%
HK$45,018
baseline
▲ 0.50% · 4.625%
HK$47,391
+HK$2,373/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,036/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,070
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,503
−HK$1,456/mo
Today · 4.125%
HK$48,959
baseline
▲ 0.50% · 4.625%
HK$51,938
+HK$2,979/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,918/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,253
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,627
−HK$1,395/mo
Today · 4.125%
HK$54,022
baseline
▲ 0.50% · 4.625%
HK$56,869
+HK$2,847/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$108,044/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,749
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,420
−HK$1,699/mo
Today · 4.125%
HK$57,119
baseline
▲ 0.50% · 4.625%
HK$60,595
+HK$3,476/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,238/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,795
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,398
−HK$1,627/mo
Today · 4.125%
HK$63,025
baseline
▲ 0.50% · 4.625%
HK$66,347
+HK$3,322/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,050/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,105
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,255
−HK$2,184/mo
Today · 4.125%
HK$73,439
baseline
▲ 0.50% · 4.625%
HK$77,907
+HK$4,468/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,878/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,879
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,941
−HK$2,091/mo
Today · 4.125%
HK$81,032
baseline
▲ 0.50% · 4.625%
HK$85,304
+HK$4,272/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,064/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,374 · Scale 2, in force from 26 Feb 2026)