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$38,629
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,831
−HK$1,221/mo
Today · 4.125%
HK$41,052
baseline
▲ 0.50% · 4.625%
HK$43,549
+HK$2,497/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,104/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,975
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,127
−HK$1,169/mo
Today · 4.125%
HK$45,296
baseline
▲ 0.50% · 4.625%
HK$47,684
+HK$2,388/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,592/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,355
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,797
−HK$1,465/mo
Today · 4.125%
HK$49,262
baseline
▲ 0.50% · 4.625%
HK$52,259
+HK$2,997/mo
Deposit HK$6.78M · loan HK$10.16M · min. income ≈ HK$98,524/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,569
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,953
−HK$1,403/mo
Today · 4.125%
HK$54,356
baseline
▲ 0.50% · 4.625%
HK$57,221
+HK$2,865/mo
Deposit HK$6.78M · loan HK$10.16M · min. income ≈ HK$108,712/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,081
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,763
−HK$1,709/mo
Today · 4.125%
HK$57,472
baseline
▲ 0.50% · 4.625%
HK$60,969
+HK$3,497/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,944/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,164
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,778
−HK$1,637/mo
Today · 4.125%
HK$63,415
baseline
▲ 0.50% · 4.625%
HK$66,758
+HK$3,343/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,830/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,532
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,695
−HK$2,198/mo
Today · 4.125%
HK$73,893
baseline
▲ 0.50% · 4.625%
HK$78,389
+HK$4,496/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$147,786/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,354
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,429
−HK$2,104/mo
Today · 4.125%
HK$81,533
baseline
▲ 0.50% · 4.625%
HK$85,831
+HK$4,298/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$163,066/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,277 · Scale 2, in force from 26 Feb 2026)