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$38,632
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,834
−HK$1,220/mo
Today · 4.125%
HK$41,054
baseline
▲ 0.50% · 4.625%
HK$43,553
+HK$2,499/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,108/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,978
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,130
−HK$1,170/mo
Today · 4.125%
HK$45,300
baseline
▲ 0.50% · 4.625%
HK$47,687
+HK$2,387/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,600/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,358
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,800
−HK$1,465/mo
Today · 4.125%
HK$49,265
baseline
▲ 0.50% · 4.625%
HK$52,263
+HK$2,998/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,530/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,573
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,956
−HK$1,403/mo
Today · 4.125%
HK$54,359
baseline
▲ 0.50% · 4.625%
HK$57,225
+HK$2,866/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,718/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,085
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,767
−HK$1,709/mo
Today · 4.125%
HK$57,476
baseline
▲ 0.50% · 4.625%
HK$60,974
+HK$3,498/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,952/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,169
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,782
−HK$1,637/mo
Today · 4.125%
HK$63,419
baseline
▲ 0.50% · 4.625%
HK$66,762
+HK$3,343/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,838/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,537
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,700
−HK$2,198/mo
Today · 4.125%
HK$73,898
baseline
▲ 0.50% · 4.625%
HK$78,395
+HK$4,497/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$147,796/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,360
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,434
−HK$2,105/mo
Today · 4.125%
HK$81,539
baseline
▲ 0.50% · 4.625%
HK$85,837
+HK$4,298/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$163,078/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,322 · Scale 2, in force from 26 Feb 2026)