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$38,592
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,793
−HK$1,220/mo
Today · 4.125%
HK$41,013
baseline
▲ 0.50% · 4.625%
HK$43,508
+HK$2,495/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$82,026/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,934
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,085
−HK$1,168/mo
Today · 4.125%
HK$45,253
baseline
▲ 0.50% · 4.625%
HK$47,639
+HK$2,386/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,506/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,311
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,751
−HK$1,464/mo
Today · 4.125%
HK$49,215
baseline
▲ 0.50% · 4.625%
HK$52,210
+HK$2,995/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,430/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,520
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,902
−HK$1,402/mo
Today · 4.125%
HK$54,304
baseline
▲ 0.50% · 4.625%
HK$57,166
+HK$2,862/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,608/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,029
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,710
−HK$1,708/mo
Today · 4.125%
HK$57,418
baseline
▲ 0.50% · 4.625%
HK$60,911
+HK$3,493/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,836/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,107
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,719
−HK$1,636/mo
Today · 4.125%
HK$63,355
baseline
▲ 0.50% · 4.625%
HK$66,694
+HK$3,339/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,710/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,466
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,627
−HK$2,196/mo
Today · 4.125%
HK$73,823
baseline
▲ 0.50% · 4.625%
HK$78,314
+HK$4,491/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$147,646/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,281
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,353
−HK$2,103/mo
Today · 4.125%
HK$81,456
baseline
▲ 0.50% · 4.625%
HK$85,750
+HK$4,294/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$162,912/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,673 · Scale 2, in force from 26 Feb 2026)