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$38,649
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,852
−HK$1,221/mo
Today · 4.125%
HK$41,073
baseline
▲ 0.50% · 4.625%
HK$43,572
+HK$2,499/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,146/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,997
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,150
−HK$1,170/mo
Today · 4.125%
HK$45,320
baseline
▲ 0.50% · 4.625%
HK$47,709
+HK$2,389/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,640/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,379
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,822
−HK$1,466/mo
Today · 4.125%
HK$49,288
baseline
▲ 0.50% · 4.625%
HK$52,287
+HK$2,999/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,576/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,596
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,980
−HK$1,404/mo
Today · 4.125%
HK$54,384
baseline
▲ 0.50% · 4.625%
HK$57,251
+HK$2,867/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,768/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,109
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,792
−HK$1,710/mo
Today · 4.125%
HK$57,502
baseline
▲ 0.50% · 4.625%
HK$61,001
+HK$3,499/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$115,004/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,196
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,810
−HK$1,638/mo
Today · 4.125%
HK$63,448
baseline
▲ 0.50% · 4.625%
HK$66,792
+HK$3,344/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,896/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,569
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,733
−HK$2,198/mo
Today · 4.125%
HK$73,931
baseline
▲ 0.50% · 4.625%
HK$78,430
+HK$4,499/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$147,862/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,395
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,470
−HK$2,106/mo
Today · 4.125%
HK$81,576
baseline
▲ 0.50% · 4.625%
HK$85,876
+HK$4,300/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$163,152/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,610 · Scale 2, in force from 26 Feb 2026)