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$38,573
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,773
−HK$1,219/mo
Today · 4.125%
HK$40,992
baseline
▲ 0.50% · 4.625%
HK$43,486
+HK$2,494/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,984/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,912
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,063
−HK$1,168/mo
Today · 4.125%
HK$45,231
baseline
▲ 0.50% · 4.625%
HK$47,615
+HK$2,384/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,462/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,288
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,727
−HK$1,463/mo
Today · 4.125%
HK$49,190
baseline
▲ 0.50% · 4.625%
HK$52,183
+HK$2,993/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,380/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,495
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,876
−HK$1,401/mo
Today · 4.125%
HK$54,277
baseline
▲ 0.50% · 4.625%
HK$57,138
+HK$2,861/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,554/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,002
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,682
−HK$1,707/mo
Today · 4.125%
HK$57,389
baseline
▲ 0.50% · 4.625%
HK$60,881
+HK$3,492/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,778/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,077
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,688
−HK$1,635/mo
Today · 4.125%
HK$63,323
baseline
▲ 0.50% · 4.625%
HK$66,661
+HK$3,338/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,646/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,431
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,591
−HK$2,194/mo
Today · 4.125%
HK$73,785
baseline
▲ 0.50% · 4.625%
HK$78,275
+HK$4,490/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,570/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,242
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,313
−HK$2,102/mo
Today · 4.125%
HK$81,415
baseline
▲ 0.50% · 4.625%
HK$85,706
+HK$4,291/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,830/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,354 · Scale 2, in force from 26 Feb 2026)