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$38,572
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,772
−HK$1,219/mo
Today · 4.125%
HK$40,991
baseline
▲ 0.50% · 4.625%
HK$43,485
+HK$2,494/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,982/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,911
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,062
−HK$1,168/mo
Today · 4.125%
HK$45,230
baseline
▲ 0.50% · 4.625%
HK$47,614
+HK$2,384/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,460/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,287
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,727
−HK$1,462/mo
Today · 4.125%
HK$49,189
baseline
▲ 0.50% · 4.625%
HK$52,182
+HK$2,993/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,378/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,494
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,875
−HK$1,401/mo
Today · 4.125%
HK$54,276
baseline
▲ 0.50% · 4.625%
HK$57,137
+HK$2,861/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,552/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,001
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,681
−HK$1,707/mo
Today · 4.125%
HK$57,388
baseline
▲ 0.50% · 4.625%
HK$60,880
+HK$3,492/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,776/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,076
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,687
−HK$1,635/mo
Today · 4.125%
HK$63,322
baseline
▲ 0.50% · 4.625%
HK$66,659
+HK$3,337/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,644/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,430
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,590
−HK$2,194/mo
Today · 4.125%
HK$73,784
baseline
▲ 0.50% · 4.625%
HK$78,274
+HK$4,490/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,568/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,240
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,312
−HK$2,102/mo
Today · 4.125%
HK$81,414
baseline
▲ 0.50% · 4.625%
HK$85,705
+HK$4,291/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,828/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,343 · Scale 2, in force from 26 Feb 2026)