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$38,618
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,819
−HK$1,221/mo
Today · 4.125%
HK$41,040
baseline
▲ 0.50% · 4.625%
HK$43,537
+HK$2,497/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,080/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,962
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,114
−HK$1,169/mo
Today · 4.125%
HK$45,283
baseline
▲ 0.50% · 4.625%
HK$47,670
+HK$2,387/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,566/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,342
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,783
−HK$1,465/mo
Today · 4.125%
HK$49,248
baseline
▲ 0.50% · 4.625%
HK$52,244
+HK$2,996/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,496/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,555
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,937
−HK$1,403/mo
Today · 4.125%
HK$54,340
baseline
▲ 0.50% · 4.625%
HK$57,204
+HK$2,864/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,680/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,065
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,747
−HK$1,709/mo
Today · 4.125%
HK$57,456
baseline
▲ 0.50% · 4.625%
HK$60,952
+HK$3,496/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,912/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,147
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,760
−HK$1,637/mo
Today · 4.125%
HK$63,397
baseline
▲ 0.50% · 4.625%
HK$66,738
+HK$3,341/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,794/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,512
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,675
−HK$2,196/mo
Today · 4.125%
HK$73,871
baseline
▲ 0.50% · 4.625%
HK$78,366
+HK$4,495/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,742/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,332
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,406
−HK$2,104/mo
Today · 4.125%
HK$81,510
baseline
▲ 0.50% · 4.625%
HK$85,806
+HK$4,296/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$163,020/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,094 · Scale 2, in force from 26 Feb 2026)