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$38,579
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,779
−HK$1,219/mo
Today · 4.125%
HK$40,998
baseline
▲ 0.50% · 4.625%
HK$43,493
+HK$2,495/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,996/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,919
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,070
−HK$1,167/mo
Today · 4.125%
HK$45,237
baseline
▲ 0.50% · 4.625%
HK$47,622
+HK$2,385/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,474/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,295
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,735
−HK$1,463/mo
Today · 4.125%
HK$49,198
baseline
▲ 0.50% · 4.625%
HK$52,191
+HK$2,993/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,396/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,502
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,884
−HK$1,401/mo
Today · 4.125%
HK$54,285
baseline
▲ 0.50% · 4.625%
HK$57,146
+HK$2,861/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,570/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,011
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,691
−HK$1,706/mo
Today · 4.125%
HK$57,397
baseline
▲ 0.50% · 4.625%
HK$60,890
+HK$3,493/mo
Deposit HK$5.08M · loan HK$11.84M · min. income ≈ HK$114,794/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,086
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,698
−HK$1,634/mo
Today · 4.125%
HK$63,332
baseline
▲ 0.50% · 4.625%
HK$66,671
+HK$3,339/mo
Deposit HK$5.08M · loan HK$11.84M · min. income ≈ HK$126,664/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,442
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,602
−HK$2,195/mo
Today · 4.125%
HK$73,797
baseline
▲ 0.50% · 4.625%
HK$78,287
+HK$4,490/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$147,594/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,254
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,326
−HK$2,101/mo
Today · 4.125%
HK$81,427
baseline
▲ 0.50% · 4.625%
HK$85,720
+HK$4,293/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$162,854/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,451 · Scale 2, in force from 26 Feb 2026)