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$38,613
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,814
−HK$1,220/mo
Today · 4.125%
HK$41,034
baseline
▲ 0.50% · 4.625%
HK$43,531
+HK$2,497/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,068/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,956
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,108
−HK$1,169/mo
Today · 4.125%
HK$45,277
baseline
▲ 0.50% · 4.625%
HK$47,663
+HK$2,386/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,554/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,335
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,776
−HK$1,465/mo
Today · 4.125%
HK$49,241
baseline
▲ 0.50% · 4.625%
HK$52,237
+HK$2,996/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,482/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,547
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,930
−HK$1,402/mo
Today · 4.125%
HK$54,332
baseline
▲ 0.50% · 4.625%
HK$57,196
+HK$2,864/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,664/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,058
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,739
−HK$1,708/mo
Today · 4.125%
HK$57,447
baseline
▲ 0.50% · 4.625%
HK$60,943
+HK$3,496/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,894/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,138
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,751
−HK$1,637/mo
Today · 4.125%
HK$63,388
baseline
▲ 0.50% · 4.625%
HK$66,729
+HK$3,341/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,776/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,503
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,664
−HK$2,197/mo
Today · 4.125%
HK$73,861
baseline
▲ 0.50% · 4.625%
HK$78,355
+HK$4,494/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,722/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,321
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,395
−HK$2,103/mo
Today · 4.125%
HK$81,498
baseline
▲ 0.50% · 4.625%
HK$85,794
+HK$4,296/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$162,996/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,004 · Scale 2, in force from 26 Feb 2026)