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$38,571
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,770
−HK$1,219/mo
Today · 4.125%
HK$40,989
baseline
▲ 0.50% · 4.625%
HK$43,483
+HK$2,494/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,978/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,909
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,060
−HK$1,168/mo
Today · 4.125%
HK$45,228
baseline
▲ 0.50% · 4.625%
HK$47,612
+HK$2,384/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,456/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,285
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,724
−HK$1,463/mo
Today · 4.125%
HK$49,187
baseline
▲ 0.50% · 4.625%
HK$52,180
+HK$2,993/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,374/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,491
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,872
−HK$1,401/mo
Today · 4.125%
HK$54,273
baseline
▲ 0.50% · 4.625%
HK$57,134
+HK$2,861/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,546/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,999
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,679
−HK$1,706/mo
Today · 4.125%
HK$57,385
baseline
▲ 0.50% · 4.625%
HK$60,877
+HK$3,492/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,770/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,073
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,684
−HK$1,635/mo
Today · 4.125%
HK$63,319
baseline
▲ 0.50% · 4.625%
HK$66,656
+HK$3,337/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,638/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,427
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,587
−HK$2,194/mo
Today · 4.125%
HK$73,781
baseline
▲ 0.50% · 4.625%
HK$78,270
+HK$4,489/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,562/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,237
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,308
−HK$2,102/mo
Today · 4.125%
HK$81,410
baseline
▲ 0.50% · 4.625%
HK$85,701
+HK$4,291/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,820/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,314 · Scale 2, in force from 26 Feb 2026)