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$38,560
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,760
−HK$1,218/mo
Today · 4.125%
HK$40,978
baseline
▲ 0.50% · 4.625%
HK$43,472
+HK$2,494/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,956/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,898
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,048
−HK$1,167/mo
Today · 4.125%
HK$45,215
baseline
▲ 0.50% · 4.625%
HK$47,599
+HK$2,384/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,430/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,272
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,712
−HK$1,462/mo
Today · 4.125%
HK$49,174
baseline
▲ 0.50% · 4.625%
HK$52,166
+HK$2,992/mo
Deposit HK$6.76M · loan HK$10.15M · min. income ≈ HK$98,348/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,477
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,858
−HK$1,401/mo
Today · 4.125%
HK$54,259
baseline
▲ 0.50% · 4.625%
HK$57,119
+HK$2,860/mo
Deposit HK$6.76M · loan HK$10.15M · min. income ≈ HK$108,518/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,984
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,663
−HK$1,707/mo
Today · 4.125%
HK$57,370
baseline
▲ 0.50% · 4.625%
HK$60,860
+HK$3,490/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,740/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,057
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,668
−HK$1,634/mo
Today · 4.125%
HK$63,302
baseline
▲ 0.50% · 4.625%
HK$66,638
+HK$3,336/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,604/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,408
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,567
−HK$2,194/mo
Today · 4.125%
HK$73,761
baseline
▲ 0.50% · 4.625%
HK$78,249
+HK$4,488/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,522/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,216
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,287
−HK$2,101/mo
Today · 4.125%
HK$81,388
baseline
▲ 0.50% · 4.625%
HK$85,678
+HK$4,290/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,776/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,142 · Scale 2, in force from 26 Feb 2026)