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$38,591
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,791
−HK$1,220/mo
Today · 4.125%
HK$41,011
baseline
▲ 0.50% · 4.625%
HK$43,506
+HK$2,495/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$82,022/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,932
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,083
−HK$1,168/mo
Today · 4.125%
HK$45,251
baseline
▲ 0.50% · 4.625%
HK$47,637
+HK$2,386/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,502/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,309
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,750
−HK$1,463/mo
Today · 4.125%
HK$49,213
baseline
▲ 0.50% · 4.625%
HK$52,208
+HK$2,995/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,426/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,518
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,900
−HK$1,402/mo
Today · 4.125%
HK$54,302
baseline
▲ 0.50% · 4.625%
HK$57,164
+HK$2,862/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,604/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,027
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,708
−HK$1,707/mo
Today · 4.125%
HK$57,415
baseline
▲ 0.50% · 4.625%
HK$60,909
+HK$3,494/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,830/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,105
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,717
−HK$1,635/mo
Today · 4.125%
HK$63,352
baseline
▲ 0.50% · 4.625%
HK$66,691
+HK$3,339/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,704/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,464
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,624
−HK$2,196/mo
Today · 4.125%
HK$73,820
baseline
▲ 0.50% · 4.625%
HK$78,311
+HK$4,491/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$147,640/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,278
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,350
−HK$2,103/mo
Today · 4.125%
HK$81,453
baseline
▲ 0.50% · 4.625%
HK$85,746
+HK$4,293/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$162,906/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,647 · Scale 2, in force from 26 Feb 2026)