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$38,619
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,820
−HK$1,221/mo
Today · 4.125%
HK$41,041
baseline
▲ 0.50% · 4.625%
HK$43,538
+HK$2,497/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,082/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,963
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,116
−HK$1,169/mo
Today · 4.125%
HK$45,285
baseline
▲ 0.50% · 4.625%
HK$47,672
+HK$2,387/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,570/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,343
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,784
−HK$1,465/mo
Today · 4.125%
HK$49,249
baseline
▲ 0.50% · 4.625%
HK$52,246
+HK$2,997/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,498/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,556
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,939
−HK$1,402/mo
Today · 4.125%
HK$54,341
baseline
▲ 0.50% · 4.625%
HK$57,206
+HK$2,865/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,682/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,067
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,749
−HK$1,708/mo
Today · 4.125%
HK$57,457
baseline
▲ 0.50% · 4.625%
HK$60,953
+HK$3,496/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,914/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,149
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,762
−HK$1,636/mo
Today · 4.125%
HK$63,398
baseline
▲ 0.50% · 4.625%
HK$66,740
+HK$3,342/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,796/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,514
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,677
−HK$2,197/mo
Today · 4.125%
HK$73,874
baseline
▲ 0.50% · 4.625%
HK$78,369
+HK$4,495/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,748/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,334
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,408
−HK$2,104/mo
Today · 4.125%
HK$81,512
baseline
▲ 0.50% · 4.625%
HK$85,809
+HK$4,297/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$163,024/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,112 · Scale 2, in force from 26 Feb 2026)