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$38,510
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,708
−HK$1,217/mo
Today · 4.125%
HK$40,925
baseline
▲ 0.50% · 4.625%
HK$43,415
+HK$2,490/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,850/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,842
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,991
−HK$1,165/mo
Today · 4.125%
HK$45,156
baseline
▲ 0.50% · 4.625%
HK$47,536
+HK$2,380/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,312/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,212
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,649
−HK$1,460/mo
Today · 4.125%
HK$49,109
baseline
▲ 0.50% · 4.625%
HK$52,098
+HK$2,989/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$98,218/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,410
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,789
−HK$1,398/mo
Today · 4.125%
HK$54,187
baseline
▲ 0.50% · 4.625%
HK$57,044
+HK$2,857/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$108,374/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,914
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,591
−HK$1,703/mo
Today · 4.125%
HK$57,294
baseline
▲ 0.50% · 4.625%
HK$60,781
+HK$3,487/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,588/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,978
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,587
−HK$1,632/mo
Today · 4.125%
HK$63,219
baseline
▲ 0.50% · 4.625%
HK$66,551
+HK$3,332/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,438/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,317
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,474
−HK$2,190/mo
Today · 4.125%
HK$73,664
baseline
▲ 0.50% · 4.625%
HK$78,146
+HK$4,482/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,328/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,115
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,183
−HK$2,098/mo
Today · 4.125%
HK$81,281
baseline
▲ 0.50% · 4.625%
HK$85,566
+HK$4,285/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,562/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,312 · Scale 2, in force from 26 Feb 2026)