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$38,549
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,748
−HK$1,219/mo
Today · 4.125%
HK$40,967
baseline
▲ 0.50% · 4.625%
HK$43,459
+HK$2,492/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,934/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$633,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,886
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,036
−HK$1,167/mo
Today · 4.125%
HK$45,203
baseline
▲ 0.50% · 4.625%
HK$47,585
+HK$2,382/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,406/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$633,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,259
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,698
−HK$1,462/mo
Today · 4.125%
HK$49,160
baseline
▲ 0.50% · 4.625%
HK$52,151
+HK$2,991/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,320/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$633,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,463
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,843
−HK$1,400/mo
Today · 4.125%
HK$54,243
baseline
▲ 0.50% · 4.625%
HK$57,103
+HK$2,860/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,486/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$633,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,969
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,648
−HK$1,705/mo
Today · 4.125%
HK$57,353
baseline
▲ 0.50% · 4.625%
HK$60,843
+HK$3,490/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,706/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$633,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,040
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,650
−HK$1,634/mo
Today · 4.125%
HK$63,284
baseline
▲ 0.50% · 4.625%
HK$66,620
+HK$3,336/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,568/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$633,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,389
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,547
−HK$2,193/mo
Today · 4.125%
HK$73,740
baseline
▲ 0.50% · 4.625%
HK$78,227
+HK$4,487/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,480/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,194
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,265
−HK$2,100/mo
Today · 4.125%
HK$81,365
baseline
▲ 0.50% · 4.625%
HK$85,654
+HK$4,289/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,730/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,965 · Scale 2, in force from 26 Feb 2026)