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$38,410
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,605
−HK$1,214/mo
Today · 4.125%
HK$40,819
baseline
▲ 0.50% · 4.625%
HK$43,303
+HK$2,484/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,638/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,731
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,877
−HK$1,163/mo
Today · 4.125%
HK$45,040
baseline
▲ 0.50% · 4.625%
HK$47,414
+HK$2,374/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,080/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,092
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,526
−HK$1,457/mo
Today · 4.125%
HK$48,983
baseline
▲ 0.50% · 4.625%
HK$51,963
+HK$2,980/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,966/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,277
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,652
−HK$1,395/mo
Today · 4.125%
HK$54,047
baseline
▲ 0.50% · 4.625%
HK$56,896
+HK$2,849/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,094/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,774
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,447
−HK$1,699/mo
Today · 4.125%
HK$57,146
baseline
▲ 0.50% · 4.625%
HK$60,624
+HK$3,478/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,292/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,823
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,428
−HK$1,627/mo
Today · 4.125%
HK$63,055
baseline
▲ 0.50% · 4.625%
HK$66,379
+HK$3,324/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,110/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,138
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,289
−HK$2,185/mo
Today · 4.125%
HK$73,474
baseline
▲ 0.50% · 4.625%
HK$77,945
+HK$4,471/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,948/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,916
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,979
−HK$2,092/mo
Today · 4.125%
HK$81,071
baseline
▲ 0.50% · 4.625%
HK$85,345
+HK$4,274/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,142/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,676 · Scale 2, in force from 26 Feb 2026)