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$38,581
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,781
−HK$1,219/mo
Today · 4.125%
HK$41,000
baseline
▲ 0.50% · 4.625%
HK$43,495
+HK$2,495/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$82,000/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,920
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,072
−HK$1,167/mo
Today · 4.125%
HK$45,239
baseline
▲ 0.50% · 4.625%
HK$47,624
+HK$2,385/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,478/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,297
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,737
−HK$1,463/mo
Today · 4.125%
HK$49,200
baseline
▲ 0.50% · 4.625%
HK$52,194
+HK$2,994/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,400/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,505
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,886
−HK$1,401/mo
Today · 4.125%
HK$54,287
baseline
▲ 0.50% · 4.625%
HK$57,149
+HK$2,862/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,574/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,013
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,693
−HK$1,707/mo
Today · 4.125%
HK$57,400
baseline
▲ 0.50% · 4.625%
HK$60,892
+HK$3,492/mo
Deposit HK$5.08M · loan HK$11.84M · min. income ≈ HK$114,800/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,089
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,700
−HK$1,635/mo
Today · 4.125%
HK$63,335
baseline
▲ 0.50% · 4.625%
HK$66,674
+HK$3,339/mo
Deposit HK$5.08M · loan HK$11.84M · min. income ≈ HK$126,670/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,445
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,605
−HK$2,195/mo
Today · 4.125%
HK$73,800
baseline
▲ 0.50% · 4.625%
HK$78,290
+HK$4,490/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$147,600/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,257
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,329
−HK$2,102/mo
Today · 4.125%
HK$81,431
baseline
▲ 0.50% · 4.625%
HK$85,723
+HK$4,292/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$162,862/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,478 · Scale 2, in force from 26 Feb 2026)