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$38,561
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,760
−HK$1,219/mo
Today · 4.125%
HK$40,979
baseline
▲ 0.50% · 4.625%
HK$43,473
+HK$2,494/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,958/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,899
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,049
−HK$1,167/mo
Today · 4.125%
HK$45,216
baseline
▲ 0.50% · 4.625%
HK$47,600
+HK$2,384/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,432/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,273
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,712
−HK$1,463/mo
Today · 4.125%
HK$49,175
baseline
▲ 0.50% · 4.625%
HK$52,167
+HK$2,992/mo
Deposit HK$6.76M · loan HK$10.15M · min. income ≈ HK$98,350/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,478
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,859
−HK$1,401/mo
Today · 4.125%
HK$54,260
baseline
▲ 0.50% · 4.625%
HK$57,120
+HK$2,860/mo
Deposit HK$6.76M · loan HK$10.15M · min. income ≈ HK$108,520/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,985
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,665
−HK$1,706/mo
Today · 4.125%
HK$57,371
baseline
▲ 0.50% · 4.625%
HK$60,862
+HK$3,491/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,742/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,058
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,669
−HK$1,634/mo
Today · 4.125%
HK$63,303
baseline
▲ 0.50% · 4.625%
HK$66,640
+HK$3,337/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,606/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,410
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,569
−HK$2,193/mo
Today · 4.125%
HK$73,762
baseline
▲ 0.50% · 4.625%
HK$78,251
+HK$4,489/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,524/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,218
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,288
−HK$2,101/mo
Today · 4.125%
HK$81,389
baseline
▲ 0.50% · 4.625%
HK$85,680
+HK$4,291/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,778/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,155 · Scale 2, in force from 26 Feb 2026)