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$38,604
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,805
−HK$1,220/mo
Today · 4.125%
HK$41,025
baseline
▲ 0.50% · 4.625%
HK$43,521
+HK$2,496/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$82,050/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,946
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,098
−HK$1,169/mo
Today · 4.125%
HK$45,267
baseline
▲ 0.50% · 4.625%
HK$47,653
+HK$2,386/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,534/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,325
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,766
−HK$1,464/mo
Today · 4.125%
HK$49,230
baseline
▲ 0.50% · 4.625%
HK$52,225
+HK$2,995/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,460/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,536
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,918
−HK$1,402/mo
Today · 4.125%
HK$54,320
baseline
▲ 0.50% · 4.625%
HK$57,183
+HK$2,863/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,640/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,046
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,727
−HK$1,708/mo
Today · 4.125%
HK$57,435
baseline
▲ 0.50% · 4.625%
HK$60,929
+HK$3,494/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,870/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,125
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,738
−HK$1,635/mo
Today · 4.125%
HK$63,373
baseline
▲ 0.50% · 4.625%
HK$66,714
+HK$3,341/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,746/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,487
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,649
−HK$2,196/mo
Today · 4.125%
HK$73,845
baseline
▲ 0.50% · 4.625%
HK$78,338
+HK$4,493/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,690/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,304
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,377
−HK$2,103/mo
Today · 4.125%
HK$81,480
baseline
▲ 0.50% · 4.625%
HK$85,775
+HK$4,295/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$162,960/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,862 · Scale 2, in force from 26 Feb 2026)