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$38,601
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,802
−HK$1,220/mo
Today · 4.125%
HK$41,022
baseline
▲ 0.50% · 4.625%
HK$43,518
+HK$2,496/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$82,044/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,944
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,095
−HK$1,169/mo
Today · 4.125%
HK$45,264
baseline
▲ 0.50% · 4.625%
HK$47,650
+HK$2,386/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,528/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,322
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,763
−HK$1,464/mo
Today · 4.125%
HK$49,227
baseline
▲ 0.50% · 4.625%
HK$52,222
+HK$2,995/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,454/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,532
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,915
−HK$1,402/mo
Today · 4.125%
HK$54,317
baseline
▲ 0.50% · 4.625%
HK$57,180
+HK$2,863/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,634/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,042
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,723
−HK$1,708/mo
Today · 4.125%
HK$57,431
baseline
▲ 0.50% · 4.625%
HK$60,926
+HK$3,495/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,862/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,121
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,734
−HK$1,635/mo
Today · 4.125%
HK$63,369
baseline
▲ 0.50% · 4.625%
HK$66,710
+HK$3,341/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,738/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,483
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,644
−HK$2,196/mo
Today · 4.125%
HK$73,840
baseline
▲ 0.50% · 4.625%
HK$78,333
+HK$4,493/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,680/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,299
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,372
−HK$2,103/mo
Today · 4.125%
HK$81,475
baseline
▲ 0.50% · 4.625%
HK$85,770
+HK$4,295/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$162,950/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,822 · Scale 2, in force from 26 Feb 2026)