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$38,611
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,812
−HK$1,220/mo
Today · 4.125%
HK$41,032
baseline
▲ 0.50% · 4.625%
HK$43,529
+HK$2,497/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,064/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,954
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,107
−HK$1,168/mo
Today · 4.125%
HK$45,275
baseline
▲ 0.50% · 4.625%
HK$47,662
+HK$2,387/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,550/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,333
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,775
−HK$1,464/mo
Today · 4.125%
HK$49,239
baseline
▲ 0.50% · 4.625%
HK$52,235
+HK$2,996/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,478/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,545
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,928
−HK$1,402/mo
Today · 4.125%
HK$54,330
baseline
▲ 0.50% · 4.625%
HK$57,194
+HK$2,864/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,660/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,056
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,737
−HK$1,708/mo
Today · 4.125%
HK$57,445
baseline
▲ 0.50% · 4.625%
HK$60,941
+HK$3,496/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,890/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,136
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,749
−HK$1,636/mo
Today · 4.125%
HK$63,385
baseline
▲ 0.50% · 4.625%
HK$66,726
+HK$3,341/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,770/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,500
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,662
−HK$2,196/mo
Today · 4.125%
HK$73,858
baseline
▲ 0.50% · 4.625%
HK$78,352
+HK$4,494/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,716/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,318
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,392
−HK$2,103/mo
Today · 4.125%
HK$81,495
baseline
▲ 0.50% · 4.625%
HK$85,791
+HK$4,296/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$162,990/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,980 · Scale 2, in force from 26 Feb 2026)