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$634,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,954
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,106
−HK$1,169/mo
Today · 4.125%
HK$45,275
baseline
▲ 0.50% · 4.625%
HK$47,661
+HK$2,386/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$634,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,333
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,774
−HK$1,464/mo
Today · 4.125%
HK$49,238
baseline
▲ 0.50% · 4.625%
HK$52,234
+HK$2,996/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,476/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,545
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,927
−HK$1,403/mo
Today · 4.125%
HK$54,330
baseline
▲ 0.50% · 4.625%
HK$57,193
+HK$2,863/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$634,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,055
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,736
−HK$1,709/mo
Today · 4.125%
HK$57,445
baseline
▲ 0.50% · 4.625%
HK$60,940
+HK$3,495/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$634,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,136
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,748
−HK$1,637/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$634,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,499
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,661
−HK$2,196/mo
Today · 4.125%
HK$73,857
baseline
▲ 0.50% · 4.625%
HK$78,352
+HK$4,495/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,714/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,317
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,391
−HK$2,103/mo
Today · 4.125%
HK$81,494
baseline
▲ 0.50% · 4.625%
HK$85,790
+HK$4,296/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$162,988/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,974 · Scale 2, in force from 26 Feb 2026)