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$38,575
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,775
−HK$1,219/mo
Today · 4.125%
HK$40,994
baseline
▲ 0.50% · 4.625%
HK$43,488
+HK$2,494/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,988/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,914
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,065
−HK$1,168/mo
Today · 4.125%
HK$45,233
baseline
▲ 0.50% · 4.625%
HK$47,617
+HK$2,384/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,466/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,290
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,730
−HK$1,462/mo
Today · 4.125%
HK$49,192
baseline
▲ 0.50% · 4.625%
HK$52,186
+HK$2,994/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,384/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,497
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,878
−HK$1,401/mo
Today · 4.125%
HK$54,279
baseline
▲ 0.50% · 4.625%
HK$57,140
+HK$2,861/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,558/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,005
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,685
−HK$1,706/mo
Today · 4.125%
HK$57,391
baseline
▲ 0.50% · 4.625%
HK$60,883
+HK$3,492/mo
Deposit HK$5.08M · loan HK$11.84M · min. income ≈ HK$114,782/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,080
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,691
−HK$1,635/mo
Today · 4.125%
HK$63,326
baseline
▲ 0.50% · 4.625%
HK$66,664
+HK$3,338/mo
Deposit HK$5.08M · loan HK$11.84M · min. income ≈ HK$126,652/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,435
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,594
−HK$2,195/mo
Today · 4.125%
HK$73,789
baseline
▲ 0.50% · 4.625%
HK$78,279
+HK$4,490/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$147,578/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,245
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,317
−HK$2,102/mo
Today · 4.125%
HK$81,419
baseline
▲ 0.50% · 4.625%
HK$85,710
+HK$4,291/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$162,838/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,382 · Scale 2, in force from 26 Feb 2026)