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$38,612
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,813
−HK$1,220/mo
Today · 4.125%
HK$41,033
baseline
▲ 0.50% · 4.625%
HK$43,530
+HK$2,497/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,066/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,955
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,107
−HK$1,169/mo
Today · 4.125%
HK$45,276
baseline
▲ 0.50% · 4.625%
HK$47,662
+HK$2,386/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,552/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,334
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,775
−HK$1,465/mo
Today · 4.125%
HK$49,240
baseline
▲ 0.50% · 4.625%
HK$52,236
+HK$2,996/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,480/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,546
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,929
−HK$1,402/mo
Today · 4.125%
HK$54,331
baseline
▲ 0.50% · 4.625%
HK$57,195
+HK$2,864/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,662/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,056
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,738
−HK$1,708/mo
Today · 4.125%
HK$57,446
baseline
▲ 0.50% · 4.625%
HK$60,942
+HK$3,496/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,892/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,137
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,750
−HK$1,636/mo
Today · 4.125%
HK$63,386
baseline
▲ 0.50% · 4.625%
HK$66,727
+HK$3,341/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,772/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,501
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,663
−HK$2,196/mo
Today · 4.125%
HK$73,859
baseline
▲ 0.50% · 4.625%
HK$78,353
+HK$4,494/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,718/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,319
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,393
−HK$2,103/mo
Today · 4.125%
HK$81,496
baseline
▲ 0.50% · 4.625%
HK$85,792
+HK$4,296/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$162,992/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,989 · Scale 2, in force from 26 Feb 2026)