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$38,421
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,616
−HK$1,214/mo
Today · 4.125%
HK$40,830
baseline
▲ 0.50% · 4.625%
HK$43,315
+HK$2,485/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,660/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,743
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,889
−HK$1,163/mo
Today · 4.125%
HK$45,052
baseline
▲ 0.50% · 4.625%
HK$47,427
+HK$2,375/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,104/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,105
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,539
−HK$1,457/mo
Today · 4.125%
HK$48,996
baseline
▲ 0.50% · 4.625%
HK$51,978
+HK$2,982/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$97,992/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,292
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,667
−HK$1,396/mo
Today · 4.125%
HK$54,063
baseline
▲ 0.50% · 4.625%
HK$56,912
+HK$2,849/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,126/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,789
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,463
−HK$1,699/mo
Today · 4.125%
HK$57,162
baseline
▲ 0.50% · 4.625%
HK$60,641
+HK$3,479/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,324/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,840
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,445
−HK$1,628/mo
Today · 4.125%
HK$63,073
baseline
▲ 0.50% · 4.625%
HK$66,398
+HK$3,325/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,146/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,158
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,309
−HK$2,186/mo
Today · 4.125%
HK$73,495
baseline
▲ 0.50% · 4.625%
HK$77,967
+HK$4,472/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,990/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,937
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,001
−HK$2,093/mo
Today · 4.125%
HK$81,094
baseline
▲ 0.50% · 4.625%
HK$85,369
+HK$4,275/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,188/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,854 · Scale 2, in force from 26 Feb 2026)