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$38,565
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,765
−HK$1,219/mo
Today · 4.125%
HK$40,984
baseline
▲ 0.50% · 4.625%
HK$43,478
+HK$2,494/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,968/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,904
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,054
−HK$1,168/mo
Today · 4.125%
HK$45,222
baseline
▲ 0.50% · 4.625%
HK$47,605
+HK$2,383/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,444/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,279
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,718
−HK$1,463/mo
Today · 4.125%
HK$49,181
baseline
▲ 0.50% · 4.625%
HK$52,173
+HK$2,992/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,362/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,484
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,865
−HK$1,401/mo
Today · 4.125%
HK$54,266
baseline
▲ 0.50% · 4.625%
HK$57,126
+HK$2,860/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,532/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,992
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,671
−HK$1,706/mo
Today · 4.125%
HK$57,377
baseline
▲ 0.50% · 4.625%
HK$60,869
+HK$3,492/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,754/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,065
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,676
−HK$1,634/mo
Today · 4.125%
HK$63,310
baseline
▲ 0.50% · 4.625%
HK$66,647
+HK$3,337/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,620/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,418
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,577
−HK$2,194/mo
Today · 4.125%
HK$73,771
baseline
▲ 0.50% · 4.625%
HK$78,260
+HK$4,489/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,542/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,227
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,298
−HK$2,101/mo
Today · 4.125%
HK$81,399
baseline
▲ 0.50% · 4.625%
HK$85,690
+HK$4,291/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,798/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,229 · Scale 2, in force from 26 Feb 2026)