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$38,646
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,848
−HK$1,222/mo
Today · 4.125%
HK$41,070
baseline
▲ 0.50% · 4.625%
HK$43,569
+HK$2,499/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,140/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,994
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,147
−HK$1,169/mo
Today · 4.125%
HK$45,316
baseline
▲ 0.50% · 4.625%
HK$47,705
+HK$2,389/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,632/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,376
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,818
−HK$1,466/mo
Today · 4.125%
HK$49,284
baseline
▲ 0.50% · 4.625%
HK$52,282
+HK$2,998/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,568/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,592
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,976
−HK$1,404/mo
Today · 4.125%
HK$54,380
baseline
▲ 0.50% · 4.625%
HK$57,246
+HK$2,866/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,760/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,105
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,788
−HK$1,710/mo
Today · 4.125%
HK$57,498
baseline
▲ 0.50% · 4.625%
HK$60,996
+HK$3,498/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,996/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,191
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,805
−HK$1,638/mo
Today · 4.125%
HK$63,443
baseline
▲ 0.50% · 4.625%
HK$66,787
+HK$3,344/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,886/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,563
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,727
−HK$2,199/mo
Today · 4.125%
HK$73,926
baseline
▲ 0.50% · 4.625%
HK$78,424
+HK$4,498/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$147,852/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,388
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,464
−HK$2,106/mo
Today · 4.125%
HK$81,570
baseline
▲ 0.50% · 4.625%
HK$85,869
+HK$4,299/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$163,140/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,559 · Scale 2, in force from 26 Feb 2026)