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$38,495
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,692
−HK$1,217/mo
Today · 4.125%
HK$40,909
baseline
▲ 0.50% · 4.625%
HK$43,398
+HK$2,489/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,818/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$633,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,825
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,973
−HK$1,166/mo
Today · 4.125%
HK$45,139
baseline
▲ 0.50% · 4.625%
HK$47,518
+HK$2,379/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,278/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$633,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,194
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,630
−HK$1,460/mo
Today · 4.125%
HK$49,090
baseline
▲ 0.50% · 4.625%
HK$52,077
+HK$2,987/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,180/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,390
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,768
−HK$1,398/mo
Today · 4.125%
HK$54,166
baseline
▲ 0.50% · 4.625%
HK$57,022
+HK$2,856/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,332/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,893
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,569
−HK$1,703/mo
Today · 4.125%
HK$57,272
baseline
▲ 0.50% · 4.625%
HK$60,757
+HK$3,485/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$114,544/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,955
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,563
−HK$1,631/mo
Today · 4.125%
HK$63,194
baseline
▲ 0.50% · 4.625%
HK$66,525
+HK$3,331/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$126,388/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,290
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,446
−HK$2,190/mo
Today · 4.125%
HK$73,636
baseline
▲ 0.50% · 4.625%
HK$78,116
+HK$4,480/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,272/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,085
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,152
−HK$2,098/mo
Today · 4.125%
HK$81,250
baseline
▲ 0.50% · 4.625%
HK$85,532
+HK$4,282/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,500/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,065 · Scale 2, in force from 26 Feb 2026)