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$38,616
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,817
−HK$1,221/mo
Today · 4.125%
HK$41,038
baseline
▲ 0.50% · 4.625%
HK$43,535
+HK$2,497/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,076/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,960
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,112
−HK$1,169/mo
Today · 4.125%
HK$45,281
baseline
▲ 0.50% · 4.625%
HK$47,668
+HK$2,387/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,562/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,339
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,781
−HK$1,464/mo
Today · 4.125%
HK$49,245
baseline
▲ 0.50% · 4.625%
HK$52,241
+HK$2,996/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,490/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,552
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,934
−HK$1,403/mo
Today · 4.125%
HK$54,337
baseline
▲ 0.50% · 4.625%
HK$57,201
+HK$2,864/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,674/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,062
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,744
−HK$1,709/mo
Today · 4.125%
HK$57,453
baseline
▲ 0.50% · 4.625%
HK$60,948
+HK$3,495/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,906/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,144
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,757
−HK$1,636/mo
Today · 4.125%
HK$63,393
baseline
▲ 0.50% · 4.625%
HK$66,735
+HK$3,342/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,786/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,509
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,671
−HK$2,197/mo
Today · 4.125%
HK$73,868
baseline
▲ 0.50% · 4.625%
HK$78,362
+HK$4,494/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,736/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,328
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,402
−HK$2,104/mo
Today · 4.125%
HK$81,506
baseline
▲ 0.50% · 4.625%
HK$85,802
+HK$4,296/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$163,012/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,060 · Scale 2, in force from 26 Feb 2026)