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$38,636
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,838
−HK$1,221/mo
Today · 4.125%
HK$41,059
baseline
▲ 0.50% · 4.625%
HK$43,557
+HK$2,498/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,118/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,982
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,135
−HK$1,170/mo
Today · 4.125%
HK$45,305
baseline
▲ 0.50% · 4.625%
HK$47,693
+HK$2,388/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,610/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,363
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,806
−HK$1,465/mo
Today · 4.125%
HK$49,271
baseline
▲ 0.50% · 4.625%
HK$52,269
+HK$2,998/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,542/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,579
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,962
−HK$1,404/mo
Today · 4.125%
HK$54,366
baseline
▲ 0.50% · 4.625%
HK$57,231
+HK$2,865/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,732/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,091
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,773
−HK$1,710/mo
Today · 4.125%
HK$57,483
baseline
▲ 0.50% · 4.625%
HK$60,980
+HK$3,497/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,966/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,175
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,789
−HK$1,637/mo
Today · 4.125%
HK$63,426
baseline
▲ 0.50% · 4.625%
HK$66,770
+HK$3,344/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,852/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,545
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,708
−HK$2,198/mo
Today · 4.125%
HK$73,906
baseline
▲ 0.50% · 4.625%
HK$78,403
+HK$4,497/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$147,812/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,368
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,443
−HK$2,105/mo
Today · 4.125%
HK$81,548
baseline
▲ 0.50% · 4.625%
HK$85,847
+HK$4,299/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$163,096/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,393 · Scale 2, in force from 26 Feb 2026)