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$38,589
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,789
−HK$1,220/mo
Today · 4.125%
HK$41,009
baseline
▲ 0.50% · 4.625%
HK$43,504
+HK$2,495/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$82,018/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,930
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,081
−HK$1,168/mo
Today · 4.125%
HK$45,249
baseline
▲ 0.50% · 4.625%
HK$47,634
+HK$2,385/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,498/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,307
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,747
−HK$1,464/mo
Today · 4.125%
HK$49,211
baseline
▲ 0.50% · 4.625%
HK$52,205
+HK$2,994/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,422/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,516
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,898
−HK$1,401/mo
Today · 4.125%
HK$54,299
baseline
▲ 0.50% · 4.625%
HK$57,161
+HK$2,862/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,598/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,025
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,705
−HK$1,707/mo
Today · 4.125%
HK$57,412
baseline
▲ 0.50% · 4.625%
HK$60,906
+HK$3,494/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,824/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,102
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,714
−HK$1,635/mo
Today · 4.125%
HK$63,349
baseline
▲ 0.50% · 4.625%
HK$66,688
+HK$3,339/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,698/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,460
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,621
−HK$2,195/mo
Today · 4.125%
HK$73,816
baseline
▲ 0.50% · 4.625%
HK$78,308
+HK$4,492/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$147,632/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,274
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,346
−HK$2,103/mo
Today · 4.125%
HK$81,449
baseline
▲ 0.50% · 4.625%
HK$85,742
+HK$4,293/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$162,898/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,617 · Scale 2, in force from 26 Feb 2026)