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$38,519
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,717
−HK$1,217/mo
Today · 4.125%
HK$40,934
baseline
▲ 0.50% · 4.625%
HK$43,425
+HK$2,491/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,868/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,852
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,001
−HK$1,166/mo
Today · 4.125%
HK$45,167
baseline
▲ 0.50% · 4.625%
HK$47,548
+HK$2,381/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,334/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,222
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,660
−HK$1,461/mo
Today · 4.125%
HK$49,121
baseline
▲ 0.50% · 4.625%
HK$52,110
+HK$2,989/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,242/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,422
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,801
−HK$1,399/mo
Today · 4.125%
HK$54,200
baseline
▲ 0.50% · 4.625%
HK$57,057
+HK$2,857/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,400/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,926
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,603
−HK$1,705/mo
Today · 4.125%
HK$57,308
baseline
▲ 0.50% · 4.625%
HK$60,795
+HK$3,487/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,616/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,992
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,601
−HK$1,632/mo
Today · 4.125%
HK$63,233
baseline
▲ 0.50% · 4.625%
HK$66,567
+HK$3,334/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,466/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,334
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,490
−HK$2,191/mo
Today · 4.125%
HK$73,681
baseline
▲ 0.50% · 4.625%
HK$78,165
+HK$4,484/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,362/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,133
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,202
−HK$2,098/mo
Today · 4.125%
HK$81,300
baseline
▲ 0.50% · 4.625%
HK$85,586
+HK$4,286/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,600/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,459 · Scale 2, in force from 26 Feb 2026)