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$38,606
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,807
−HK$1,220/mo
Today · 4.125%
HK$41,027
baseline
▲ 0.50% · 4.625%
HK$43,524
+HK$2,497/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,054/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,949
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,101
−HK$1,169/mo
Today · 4.125%
HK$45,270
baseline
▲ 0.50% · 4.625%
HK$47,656
+HK$2,386/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,540/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,328
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,769
−HK$1,464/mo
Today · 4.125%
HK$49,233
baseline
▲ 0.50% · 4.625%
HK$52,229
+HK$2,996/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,466/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,539
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,921
−HK$1,403/mo
Today · 4.125%
HK$54,324
baseline
▲ 0.50% · 4.625%
HK$57,187
+HK$2,863/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,648/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,049
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,730
−HK$1,708/mo
Today · 4.125%
HK$57,438
baseline
▲ 0.50% · 4.625%
HK$60,933
+HK$3,495/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,876/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,129
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,742
−HK$1,636/mo
Today · 4.125%
HK$63,378
baseline
▲ 0.50% · 4.625%
HK$66,718
+HK$3,340/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,756/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,492
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,653
−HK$2,196/mo
Today · 4.125%
HK$73,849
baseline
▲ 0.50% · 4.625%
HK$78,343
+HK$4,494/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,698/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,309
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,382
−HK$2,103/mo
Today · 4.125%
HK$81,485
baseline
▲ 0.50% · 4.625%
HK$85,781
+HK$4,296/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$162,970/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,903 · Scale 2, in force from 26 Feb 2026)