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$38,587
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,788
−HK$1,219/mo
Today · 4.125%
HK$41,007
baseline
▲ 0.50% · 4.625%
HK$43,502
+HK$2,495/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$82,014/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,928
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,079
−HK$1,168/mo
Today · 4.125%
HK$45,247
baseline
▲ 0.50% · 4.625%
HK$47,632
+HK$2,385/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,494/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,305
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,745
−HK$1,464/mo
Today · 4.125%
HK$49,209
baseline
▲ 0.50% · 4.625%
HK$52,203
+HK$2,994/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,418/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,514
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,895
−HK$1,402/mo
Today · 4.125%
HK$54,297
baseline
▲ 0.50% · 4.625%
HK$57,159
+HK$2,862/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,594/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,022
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,703
−HK$1,707/mo
Today · 4.125%
HK$57,410
baseline
▲ 0.50% · 4.625%
HK$60,903
+HK$3,493/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,820/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,099
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,711
−HK$1,635/mo
Today · 4.125%
HK$63,346
baseline
▲ 0.50% · 4.625%
HK$66,685
+HK$3,339/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,692/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,457
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,618
−HK$2,195/mo
Today · 4.125%
HK$73,813
baseline
▲ 0.50% · 4.625%
HK$78,304
+HK$4,491/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$147,626/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,271
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,343
−HK$2,102/mo
Today · 4.125%
HK$81,445
baseline
▲ 0.50% · 4.625%
HK$85,738
+HK$4,293/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$162,890/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,590 · Scale 2, in force from 26 Feb 2026)