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$38,599
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,799
−HK$1,220/mo
Today · 4.125%
HK$41,019
baseline
▲ 0.50% · 4.625%
HK$43,515
+HK$2,496/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$82,038/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,941
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,092
−HK$1,169/mo
Today · 4.125%
HK$45,261
baseline
▲ 0.50% · 4.625%
HK$47,647
+HK$2,386/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,522/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,319
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,759
−HK$1,464/mo
Today · 4.125%
HK$49,223
baseline
▲ 0.50% · 4.625%
HK$52,218
+HK$2,995/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,446/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,529
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,911
−HK$1,402/mo
Today · 4.125%
HK$54,313
baseline
▲ 0.50% · 4.625%
HK$57,176
+HK$2,863/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,626/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,038
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,719
−HK$1,708/mo
Today · 4.125%
HK$57,427
baseline
▲ 0.50% · 4.625%
HK$60,921
+HK$3,494/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,854/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,117
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,729
−HK$1,636/mo
Today · 4.125%
HK$63,365
baseline
▲ 0.50% · 4.625%
HK$66,705
+HK$3,340/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,730/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,478
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,639
−HK$2,196/mo
Today · 4.125%
HK$73,835
baseline
▲ 0.50% · 4.625%
HK$78,327
+HK$4,492/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$147,670/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,293
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,366
−HK$2,103/mo
Today · 4.125%
HK$81,469
baseline
▲ 0.50% · 4.625%
HK$85,764
+HK$4,295/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$162,938/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,778 · Scale 2, in force from 26 Feb 2026)