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$38,450
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,646
−HK$1,215/mo
Today · 4.125%
HK$40,861
baseline
▲ 0.50% · 4.625%
HK$43,347
+HK$2,486/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,722/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,775
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,922
−HK$1,164/mo
Today · 4.125%
HK$45,086
baseline
▲ 0.50% · 4.625%
HK$47,462
+HK$2,376/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,172/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,139
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,575
−HK$1,458/mo
Today · 4.125%
HK$49,033
baseline
▲ 0.50% · 4.625%
HK$52,016
+HK$2,983/mo
Deposit HK$6.74M · loan HK$10.12M · min. income ≈ HK$98,066/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,330
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,706
−HK$1,397/mo
Today · 4.125%
HK$54,103
baseline
▲ 0.50% · 4.625%
HK$56,955
+HK$2,852/mo
Deposit HK$6.74M · loan HK$10.12M · min. income ≈ HK$108,206/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,829
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,504
−HK$1,701/mo
Today · 4.125%
HK$57,205
baseline
▲ 0.50% · 4.625%
HK$60,686
+HK$3,481/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,410/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,885
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,491
−HK$1,629/mo
Today · 4.125%
HK$63,120
baseline
▲ 0.50% · 4.625%
HK$66,447
+HK$3,327/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,240/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,209
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,362
−HK$2,187/mo
Today · 4.125%
HK$73,549
baseline
▲ 0.50% · 4.625%
HK$78,025
+HK$4,476/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$147,098/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,995
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,060
−HK$2,094/mo
Today · 4.125%
HK$81,154
baseline
▲ 0.50% · 4.625%
HK$85,432
+HK$4,278/mo
Deposit HK$1.69M · loan HK$15.18M · min. income ≈ HK$162,308/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,324 · Scale 2, in force from 26 Feb 2026)