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$38,502
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,699
−HK$1,217/mo
Today · 4.125%
HK$40,916
baseline
▲ 0.50% · 4.625%
HK$43,406
+HK$2,490/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,832/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,833
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,982
−HK$1,165/mo
Today · 4.125%
HK$45,147
baseline
▲ 0.50% · 4.625%
HK$47,527
+HK$2,380/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,294/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,202
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,639
−HK$1,460/mo
Today · 4.125%
HK$49,099
baseline
▲ 0.50% · 4.625%
HK$52,087
+HK$2,988/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,198/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,399
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,778
−HK$1,398/mo
Today · 4.125%
HK$54,176
baseline
▲ 0.50% · 4.625%
HK$57,032
+HK$2,856/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,352/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,902
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,579
−HK$1,704/mo
Today · 4.125%
HK$57,283
baseline
▲ 0.50% · 4.625%
HK$60,768
+HK$3,485/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,566/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,966
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,574
−HK$1,632/mo
Today · 4.125%
HK$63,206
baseline
▲ 0.50% · 4.625%
HK$66,537
+HK$3,331/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,412/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,303
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,459
−HK$2,190/mo
Today · 4.125%
HK$73,649
baseline
▲ 0.50% · 4.625%
HK$78,130
+HK$4,481/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,298/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,099
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,167
−HK$2,098/mo
Today · 4.125%
HK$81,265
baseline
▲ 0.50% · 4.625%
HK$85,548
+HK$4,283/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,530/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,182 · Scale 2, in force from 26 Feb 2026)