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$38,563
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,762
−HK$1,219/mo
Today · 4.125%
HK$40,981
baseline
▲ 0.50% · 4.625%
HK$43,475
+HK$2,494/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,962/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,901
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,051
−HK$1,168/mo
Today · 4.125%
HK$45,219
baseline
▲ 0.50% · 4.625%
HK$47,602
+HK$2,383/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,438/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,275
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,715
−HK$1,462/mo
Today · 4.125%
HK$49,177
baseline
▲ 0.50% · 4.625%
HK$52,170
+HK$2,993/mo
Deposit HK$6.76M · loan HK$10.15M · min. income ≈ HK$98,354/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,481
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,862
−HK$1,400/mo
Today · 4.125%
HK$54,262
baseline
▲ 0.50% · 4.625%
HK$57,123
+HK$2,861/mo
Deposit HK$6.76M · loan HK$10.15M · min. income ≈ HK$108,524/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,988
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,667
−HK$1,706/mo
Today · 4.125%
HK$57,373
baseline
▲ 0.50% · 4.625%
HK$60,865
+HK$3,492/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,746/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,061
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,672
−HK$1,634/mo
Today · 4.125%
HK$63,306
baseline
▲ 0.50% · 4.625%
HK$66,643
+HK$3,337/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,612/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,413
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,572
−HK$2,194/mo
Today · 4.125%
HK$73,766
baseline
▲ 0.50% · 4.625%
HK$78,254
+HK$4,488/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,532/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,221
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,292
−HK$2,101/mo
Today · 4.125%
HK$81,393
baseline
▲ 0.50% · 4.625%
HK$85,684
+HK$4,291/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,786/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,186 · Scale 2, in force from 26 Feb 2026)