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$38,625
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,826
−HK$1,221/mo
Today · 4.125%
HK$41,047
baseline
▲ 0.50% · 4.625%
HK$43,544
+HK$2,497/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,094/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,970
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,122
−HK$1,169/mo
Today · 4.125%
HK$45,291
baseline
▲ 0.50% · 4.625%
HK$47,678
+HK$2,387/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,582/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,350
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,791
−HK$1,465/mo
Today · 4.125%
HK$49,256
baseline
▲ 0.50% · 4.625%
HK$52,253
+HK$2,997/mo
Deposit HK$6.78M · loan HK$10.16M · min. income ≈ HK$98,512/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,563
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,946
−HK$1,403/mo
Today · 4.125%
HK$54,349
baseline
▲ 0.50% · 4.625%
HK$57,214
+HK$2,865/mo
Deposit HK$6.78M · loan HK$10.16M · min. income ≈ HK$108,698/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,074
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,757
−HK$1,708/mo
Today · 4.125%
HK$57,465
baseline
▲ 0.50% · 4.625%
HK$60,962
+HK$3,497/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,930/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,157
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,771
−HK$1,636/mo
Today · 4.125%
HK$63,407
baseline
▲ 0.50% · 4.625%
HK$66,750
+HK$3,343/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,814/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,524
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,687
−HK$2,197/mo
Today · 4.125%
HK$73,884
baseline
▲ 0.50% · 4.625%
HK$78,380
+HK$4,496/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,768/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,345
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,419
−HK$2,105/mo
Today · 4.125%
HK$81,524
baseline
▲ 0.50% · 4.625%
HK$85,821
+HK$4,297/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$163,048/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,203 · Scale 2, in force from 26 Feb 2026)