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$38,608
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,809
−HK$1,220/mo
Today · 4.125%
HK$41,029
baseline
▲ 0.50% · 4.625%
HK$43,526
+HK$2,497/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,058/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,951
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,103
−HK$1,169/mo
Today · 4.125%
HK$45,272
baseline
▲ 0.50% · 4.625%
HK$47,658
+HK$2,386/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,544/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,330
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,771
−HK$1,464/mo
Today · 4.125%
HK$49,235
baseline
▲ 0.50% · 4.625%
HK$52,231
+HK$2,996/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,470/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,541
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,924
−HK$1,402/mo
Today · 4.125%
HK$54,326
baseline
▲ 0.50% · 4.625%
HK$57,189
+HK$2,863/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,652/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,051
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,733
−HK$1,708/mo
Today · 4.125%
HK$57,441
baseline
▲ 0.50% · 4.625%
HK$60,936
+HK$3,495/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,882/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,131
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,744
−HK$1,636/mo
Today · 4.125%
HK$63,380
baseline
▲ 0.50% · 4.625%
HK$66,721
+HK$3,341/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,760/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,494
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,656
−HK$2,196/mo
Today · 4.125%
HK$73,852
baseline
▲ 0.50% · 4.625%
HK$78,346
+HK$4,494/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,704/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,312
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,385
−HK$2,104/mo
Today · 4.125%
HK$81,489
baseline
▲ 0.50% · 4.625%
HK$85,784
+HK$4,295/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$162,978/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,930 · Scale 2, in force from 26 Feb 2026)