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$38,643
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,845
−HK$1,221/mo
Today · 4.125%
HK$41,066
baseline
▲ 0.50% · 4.625%
HK$43,565
+HK$2,499/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,132/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,990
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,143
−HK$1,170/mo
Today · 4.125%
HK$45,313
baseline
▲ 0.50% · 4.625%
HK$47,701
+HK$2,388/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,626/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,372
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,814
−HK$1,465/mo
Today · 4.125%
HK$49,279
baseline
▲ 0.50% · 4.625%
HK$52,278
+HK$2,999/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,558/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,588
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,971
−HK$1,404/mo
Today · 4.125%
HK$54,375
baseline
▲ 0.50% · 4.625%
HK$57,241
+HK$2,866/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,750/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,100
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,783
−HK$1,710/mo
Today · 4.125%
HK$57,493
baseline
▲ 0.50% · 4.625%
HK$60,991
+HK$3,498/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,986/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,186
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,800
−HK$1,638/mo
Today · 4.125%
HK$63,438
baseline
▲ 0.50% · 4.625%
HK$66,781
+HK$3,343/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,876/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,557
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,721
−HK$2,198/mo
Today · 4.125%
HK$73,919
baseline
▲ 0.50% · 4.625%
HK$78,417
+HK$4,498/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$147,838/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,382
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,457
−HK$2,106/mo
Today · 4.125%
HK$81,563
baseline
▲ 0.50% · 4.625%
HK$85,862
+HK$4,299/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$163,126/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,504 · Scale 2, in force from 26 Feb 2026)