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$38,571
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,771
−HK$1,219/mo
Today · 4.125%
HK$40,990
baseline
▲ 0.50% · 4.625%
HK$43,484
+HK$2,494/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,980/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,910
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,061
−HK$1,168/mo
Today · 4.125%
HK$45,229
baseline
▲ 0.50% · 4.625%
HK$47,613
+HK$2,384/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,458/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,286
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,725
−HK$1,463/mo
Today · 4.125%
HK$49,188
baseline
▲ 0.50% · 4.625%
HK$52,181
+HK$2,993/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,376/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,492
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,873
−HK$1,401/mo
Today · 4.125%
HK$54,274
baseline
▲ 0.50% · 4.625%
HK$57,135
+HK$2,861/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,548/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,000
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,680
−HK$1,706/mo
Today · 4.125%
HK$57,386
baseline
▲ 0.50% · 4.625%
HK$60,878
+HK$3,492/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,772/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,074
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,685
−HK$1,635/mo
Today · 4.125%
HK$63,320
baseline
▲ 0.50% · 4.625%
HK$66,658
+HK$3,338/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,640/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,428
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,588
−HK$2,194/mo
Today · 4.125%
HK$73,782
baseline
▲ 0.50% · 4.625%
HK$78,272
+HK$4,490/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,564/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,238
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,310
−HK$2,101/mo
Today · 4.125%
HK$81,411
baseline
▲ 0.50% · 4.625%
HK$85,703
+HK$4,292/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,822/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,326 · Scale 2, in force from 26 Feb 2026)