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$38,603
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,804
−HK$1,220/mo
Today · 4.125%
HK$41,024
baseline
▲ 0.50% · 4.625%
HK$43,520
+HK$2,496/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$82,048/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,945
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,097
−HK$1,169/mo
Today · 4.125%
HK$45,266
baseline
▲ 0.50% · 4.625%
HK$47,652
+HK$2,386/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,532/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,324
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,764
−HK$1,464/mo
Today · 4.125%
HK$49,228
baseline
▲ 0.50% · 4.625%
HK$52,224
+HK$2,996/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,456/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,534
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,917
−HK$1,402/mo
Today · 4.125%
HK$54,319
baseline
▲ 0.50% · 4.625%
HK$57,182
+HK$2,863/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,638/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,044
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,725
−HK$1,708/mo
Today · 4.125%
HK$57,433
baseline
▲ 0.50% · 4.625%
HK$60,928
+HK$3,495/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,866/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,124
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,736
−HK$1,636/mo
Today · 4.125%
HK$63,372
baseline
▲ 0.50% · 4.625%
HK$66,712
+HK$3,340/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,744/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,485
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,647
−HK$2,196/mo
Today · 4.125%
HK$73,843
baseline
▲ 0.50% · 4.625%
HK$78,336
+HK$4,493/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,686/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,302
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,375
−HK$2,103/mo
Today · 4.125%
HK$81,478
baseline
▲ 0.50% · 4.625%
HK$85,773
+HK$4,295/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$162,956/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,846 · Scale 2, in force from 26 Feb 2026)