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$38,614
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,815
−HK$1,220/mo
Today · 4.125%
HK$41,035
baseline
▲ 0.50% · 4.625%
HK$43,532
+HK$2,497/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,070/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,958
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,110
−HK$1,169/mo
Today · 4.125%
HK$45,279
baseline
▲ 0.50% · 4.625%
HK$47,665
+HK$2,386/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,558/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,337
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,778
−HK$1,465/mo
Today · 4.125%
HK$49,243
baseline
▲ 0.50% · 4.625%
HK$52,239
+HK$2,996/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,486/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,549
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,932
−HK$1,402/mo
Today · 4.125%
HK$54,334
baseline
▲ 0.50% · 4.625%
HK$57,198
+HK$2,864/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,668/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,060
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,741
−HK$1,709/mo
Today · 4.125%
HK$57,450
baseline
▲ 0.50% · 4.625%
HK$60,945
+HK$3,495/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,900/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,141
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,754
−HK$1,636/mo
Today · 4.125%
HK$63,390
baseline
▲ 0.50% · 4.625%
HK$66,731
+HK$3,341/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,780/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,505
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,667
−HK$2,197/mo
Today · 4.125%
HK$73,864
baseline
▲ 0.50% · 4.625%
HK$78,358
+HK$4,494/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,728/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,324
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,398
−HK$2,103/mo
Today · 4.125%
HK$81,501
baseline
▲ 0.50% · 4.625%
HK$85,797
+HK$4,296/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$163,002/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,028 · Scale 2, in force from 26 Feb 2026)