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$38,580
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,780
−HK$1,219/mo
Today · 4.125%
HK$40,999
baseline
▲ 0.50% · 4.625%
HK$43,494
+HK$2,495/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,998/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,919
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,071
−HK$1,167/mo
Today · 4.125%
HK$45,238
baseline
▲ 0.50% · 4.625%
HK$47,623
+HK$2,385/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,476/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,296
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,736
−HK$1,463/mo
Today · 4.125%
HK$49,199
baseline
▲ 0.50% · 4.625%
HK$52,192
+HK$2,993/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,398/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,503
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,885
−HK$1,401/mo
Today · 4.125%
HK$54,286
baseline
▲ 0.50% · 4.625%
HK$57,147
+HK$2,861/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,572/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,012
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,692
−HK$1,707/mo
Today · 4.125%
HK$57,399
baseline
▲ 0.50% · 4.625%
HK$60,891
+HK$3,492/mo
Deposit HK$5.08M · loan HK$11.84M · min. income ≈ HK$114,798/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,087
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,699
−HK$1,635/mo
Today · 4.125%
HK$63,334
baseline
▲ 0.50% · 4.625%
HK$66,672
+HK$3,338/mo
Deposit HK$5.08M · loan HK$11.84M · min. income ≈ HK$126,668/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,443
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,603
−HK$2,195/mo
Today · 4.125%
HK$73,798
baseline
▲ 0.50% · 4.625%
HK$78,289
+HK$4,491/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$147,596/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,255
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,327
−HK$2,102/mo
Today · 4.125%
HK$81,429
baseline
▲ 0.50% · 4.625%
HK$85,721
+HK$4,292/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$162,858/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,463 · Scale 2, in force from 26 Feb 2026)