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$38,609
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,810
−HK$1,221/mo
Today · 4.125%
HK$41,031
baseline
▲ 0.50% · 4.625%
HK$43,527
+HK$2,496/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,062/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,953
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,105
−HK$1,168/mo
Today · 4.125%
HK$45,273
baseline
▲ 0.50% · 4.625%
HK$47,660
+HK$2,387/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,546/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,331
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,773
−HK$1,464/mo
Today · 4.125%
HK$49,237
baseline
▲ 0.50% · 4.625%
HK$52,233
+HK$2,996/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,474/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,543
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,926
−HK$1,402/mo
Today · 4.125%
HK$54,328
baseline
▲ 0.50% · 4.625%
HK$57,192
+HK$2,864/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,656/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,053
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,735
−HK$1,708/mo
Today · 4.125%
HK$57,443
baseline
▲ 0.50% · 4.625%
HK$60,938
+HK$3,495/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,886/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,134
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,746
−HK$1,637/mo
Today · 4.125%
HK$63,383
baseline
▲ 0.50% · 4.625%
HK$66,724
+HK$3,341/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,766/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,497
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,659
−HK$2,196/mo
Today · 4.125%
HK$73,855
baseline
▲ 0.50% · 4.625%
HK$78,349
+HK$4,494/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,710/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,315
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,388
−HK$2,104/mo
Today · 4.125%
HK$81,492
baseline
▲ 0.50% · 4.625%
HK$85,787
+HK$4,295/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$162,984/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,953 · Scale 2, in force from 26 Feb 2026)