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$38,593
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,794
−HK$1,219/mo
Today · 4.125%
HK$41,013
baseline
▲ 0.50% · 4.625%
HK$43,509
+HK$2,496/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$634,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,935
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,086
−HK$1,168/mo
Today · 4.125%
HK$45,254
baseline
▲ 0.50% · 4.625%
HK$47,640
+HK$2,386/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,508/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,312
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,752
−HK$1,464/mo
Today · 4.125%
HK$49,216
baseline
▲ 0.50% · 4.625%
HK$52,211
+HK$2,995/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,432/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,522
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,903
−HK$1,402/mo
Today · 4.125%
HK$54,305
baseline
▲ 0.50% · 4.625%
HK$57,168
+HK$2,863/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,610/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,031
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,711
−HK$1,708/mo
Today · 4.125%
HK$57,419
baseline
▲ 0.50% · 4.625%
HK$60,913
+HK$3,494/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,838/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,108
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,721
−HK$1,635/mo
Today · 4.125%
HK$63,356
baseline
▲ 0.50% · 4.625%
HK$66,695
+HK$3,339/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,712/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,468
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,629
−HK$2,195/mo
Today · 4.125%
HK$73,824
baseline
▲ 0.50% · 4.625%
HK$78,316
+HK$4,492/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$147,648/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,282
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,355
−HK$2,103/mo
Today · 4.125%
HK$81,458
baseline
▲ 0.50% · 4.625%
HK$85,751
+HK$4,293/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$162,916/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,686 · Scale 2, in force from 26 Feb 2026)